DOES BIOLOGICAL ENDOWMENT MATTER FOR DEMAND FOR FINANCIAL SERVICES? EVIDENCE FROM RUSSIAN HOUSEHOLD SURVEY
Высшая школа экономики , 2016. No. WP BRP 52/FE/2016.
Semenova M., Andrievskaya I.
There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual’s overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent individual biological endowment, proxied by prenatal testosterone (PT) (measured by the 2D:4D ratio), can determine personal demand for bank services and insurance. We use data from the Russian Longitudinal Monitoring Survey of 2011–2012. Our findings confirm the existence of the link between inherent biological variation and financial inclusion: PT affects the use of bank cards, intention to take out a loan, having a bank deposit and the consumption of insurance products.
, , , / NRU Higher School of Economics. Series NRU Higher School of Economics. Series WP BRP "Economics/EC" "NRU Higher School of Economics. Series WP BRP "Economics/EC".". 2014.
Different studies document direct and indirect factors, which influence educational attainment and occupational choice. From the other side, the role of biological determinants is relatively new. Our study is focused on the impact of prenatal testosterone (measured by the second to fourth finger digit ratios, 2d:4d) on university students’ achievements, lifetime educational levels, achieved by ...
Added: November 10, 2014
Does biological endowment matter for demand for financial services? Evidence from 2D:4D ratio in the Russian household survey
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There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual's overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent individual biological endowment, proxied by prenatal testosterone (PT, measured by the 2D:4D ratio), can determine ...
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