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• W2146307910 abstract "How does the punishment for default afiect repayment behavior? We use administrative data, provided by the leading Italian lender of unsecured credit to the household sector, to investigate the efiect of two potentially important factors: judicial e‐ciency and the availability of informal credit from family and friends. By making economic assumptions we can place upper and lower bounds on these efiects. We flnd that the availability of informal credit reduces repayment, while variation in court enforcement has no signiflcant efiect. Moreover, households with access to informal credit are more likely to borrow from our lender." @default.
• W2146307910 created "2016-06-24" @default.
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• W2146307910 date "2006-02-01" @default.
• W2146307910 modified "2023-09-27" @default.
• W2146307910 title "Informal Credit Markets, Judicial Costs and Consumer Credit: Evidence from Firm Level Data" @default.
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