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  1. Ready for school?
    effects on school starters of establishing school psychology offices in Norway
    Autor*in: Flatø, Martin; Bratsberg, Bernt; Kotsadam, Andreas; Torvik, Fartein Ask; Røgeberg, Ole; Stoltenberg, Camilla
    Erschienen: March 2023
    Verlag:  CESifo, Munich, Germany

    We consider long-term impacts of establishing school psychology offices in Norway, which introduced 'maturity testing' to advice parents and school boards on school starting age. In the early reform period, children born close to the normative age... mehr

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    Verlag (kostenfrei)
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    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 63
    Fernleihe:
    keine Fernleihe

     

    We consider long-term impacts of establishing school psychology offices in Norway, which introduced 'maturity testing' to advice parents and school boards on school starting age. In the early reform period, children born close to the normative age cut-off who reached school-starting age after the establishment were more likely to finish compulsory schooling late, and experienced higher earnings as adults. When offices were instead able to block delayed school entry after a legislative change, having an office in operation led to a reduction in the likelihood of late graduation for the youngest children in each cohort, and no long-term benefits.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/271996
    Schriftenreihe: CESifo working papers ; 10352 (2023)
    Schlagworte: school psychology; maturity; school readiness; redshirting; school starting age; Norway
    Umfang: 1 Online-Ressource (circa 50 Seiten), Illustrationen
  2. Liquidity constraints and demand for maturity the case of mortgages
    Autor*in: Ferrari, Alessandro; Loseto, Marco
    Erschienen: [2023]
    Verlag:  European Central Bank, Frankfurt am Main, Germany

    Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand elasticities to maturity and interest rate. We find that households are responsive to both contract terms: a 1% decrease in interest rate... mehr

    Zugang:
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 534
    Fernleihe:
    keine Fernleihe

     

    Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand elasticities to maturity and interest rate. We find that households are responsive to both contract terms: a 1% decrease in interest rate increases the average loan size by 0.22% whereas a commensurable increase in maturity increases loan demand by 0.30%. This evidence suggests that credit constraints are relevant in this market. Things change substantially when moving along the distribution of contract maturities: short term borrowers are unresponsive to their contract length while maturity elasticities are higher for long term borrowers.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Ebook
    Format: Online
    ISBN: 9789289962247
    Weitere Identifier:
    hdl: 10419/297299
    Schriftenreihe: Working paper series / European Central Bank ; no 2859
    Schlagworte: mortgage; household finance; credit demand; maturity
    Umfang: 1 Online-Ressource (circa 54 Seiten), Illustrationen