Related papers: Credit and Voting
This study examines how political engagement shapes public attitudes toward legal immigration in the United States. Using nationally weighted data from the 2024 ANES Pilot Study, we construct a novel Political Engagement Index (PAX) based…
Credit risk scorecards are logistic regression models, fitted to large and complex data sets, employed by the financial industry to model the probability of default of a potential customer. In order to ensure that a scorecard remains a…
The effect of user bias in fact-checking has not been explored extensively from a user-experience perspective. We estimate the user bias as a function of the user's perceived reputation of the news sources (e.g., a user with liberal beliefs…
We discuss voting scenarios in which the set of voters (agents) and the set of alternatives are the same; that is, voters select a single representative from among themselves. Such a scenario happens, for instance, when a committee selects…
This paper examines the impact of temperature shocks on European Parliament elections. We combine high-resolution climate data with results from parliamentary elections between 1989 and 2019, aggregated at the NUTS-2 regional level.…
We provide a sharp identification region for discrete choice models where consumers' preferences are not necessarily complete even if only aggregate choice data is available. Behavior is modeled using an upper and a lower utility for each…
This study focuses on the impact of digital finance on households. While digital finance has brought financial inclusion, it has also increased the risk of households falling into a debt trap. We provide evidence that supports this notion…
Political districts may be drawn to favor one group or political party over another, or gerrymandered. A number of measurements have been suggested as ways to detect and prevent such behavior. These measures give concrete axes along which…
We find it is common for consumers who are not in financial distress to make credit card payments at or close to the minimum. This pattern is difficult to reconcile with economic factors but can be explained by minimum payment information…
Many important decisions in societies such as school admissions, hiring, or elections are based on the selection of top-ranking individuals from a larger pool of candidates. This process is often subject to biases, which typically manifest…
Assuming that partisan fairness and responsiveness are important aspects of redistricting, it is important to measure them. Many measures of partisan bias are satisfactory for states that are balanced with roughly equal proportions of…
The instability of the financial system as experienced in recent years and in previous periods is often linked to credit defaults, i.e., to the failure of obligors to make promised payments. Given the large number of credit contracts, this…
Motivated by studying the effects of marriage prospects on students' college major choices, this paper develops a new econometric test for analyzing the effects of an unobservable factor in a setting where this factor potentially influences…
We propose a novel approach to infer investors' risk preferences from their portfolio choices, and then use the implied risk preferences to measure the efficiency of investment portfolios. We analyze a dataset spanning a period of six…
We study a model of temporal voting where there is a fixed time horizon, and at each round the voters report their preferences over the available candidates and a single candidate is selected. Prior work has adapted popular notions of…
Most of the computational study of election problems has assumed that each voter's preferences are, or should be extended to, a total order. However in practice voters may have preferences with ties. We study the complexity of manipulative…
Many households in developing countries lack formal financial histories, making it difficult for firms to extend credit, and for potential borrowers to receive it. However, many of these households have mobile phones, which generate rich…
Bizarrely shaped voting districts are frequently lambasted as likely instances of gerrymandering. In order to systematically identify such instances, researchers have devised several tests for so-called geographic compactness (i.e., shape…
We consider a type of pull voting suitable for discrete numeric opinions which can be compared on a linear scale, for example, 1 ('disagree strongly'), 2 ('disagree'), $\ldots,$ 5 ('agree strongly'). On observing the opinion of a random…
Debt aversion can have severe adverse effects on financial decision-making. We propose a model of debt aversion, and design an experiment involving real debt and saving contracts, to elicit and jointly estimate debt aversion with…