Effects and determinants of household debt in Portugal

Morais, Lavínia Fernanda Magalhães; Ribeiro, Humberto; Pereira, J.A.; Silva, Amélia

Publication

Effects and determinants of household debt in Portugal

2014Conference paper

dc.contributor.author	Morais, Lavínia Fernanda Magalhães
dc.contributor.author	Ribeiro, Humberto
dc.contributor.author	Pereira, J.A.
dc.contributor.author	Silva, Amélia
dc.date.accessioned	2018-06-15T09:26:00Z
dc.date.available	2018-06-15T09:26:00Z
dc.date.issued	2014
dc.description.abstract	As the amount of debt has gradually increased, particularly in recent years, Portugal is currently one of the European countries exhibiting one of the highest levels of overall indebtedness, including in both sovereign and private sectors. Indeed, this condition is the outcome of increasing levels of debt assumed not only by the government, but also by companies and families, being the later mostly due to mortgage loans and due charges. This paper focuses on the study of borrowing by Portuguese households. The research has been made in respect to the notion of debt, the consequences of recent developments in debt, among other factors. In order to analyze the factors that are most associated with debt, a study was developed using two multiple regression models, one using a longer time series and another shorter, evaluating the effect of several variables, such as consumption, savings, unemployment, inflation and interest rates, in order to check whether they could be associated with a higher level of debt.	pt_PT
dc.description.sponsorship	This work is funded by FEDER funds through the Operational Programme for Competitiveness Factors - COMPETE and by National Funds through FCT - Foundation for Science and Technology under the project with the reference PEst-C/CJP/UI4058/2011	pt_PT
dc.description.version	info:eu-repo/semantics/publishedVersion	pt_PT
dc.identifier.citation	Morais, Lavínia; Ribeiro, Humberto; Pereira, José; Silva, Amélia (2014). Effects and determinants of household debt in Portugal. In 7th Annual EuroMed Conference of the EuroMed Academy of Business. Kristiansand, Norway. p. 1310-1322. ISBN 978-9963-711-27-7	pt_PT
dc.identifier.isbn	978-9963-711-27-7
dc.identifier.uri	http://hdl.handle.net/10198/17688
dc.language.iso	eng	pt_PT
dc.peerreviewed	yes	pt_PT
dc.publisher	1310	pt_PT
dc.relation	Strategic Project - UI 4058 - 2011-2012
dc.rights.uri	http://creativecommons.org/licenses/by/4.0/	pt_PT
dc.subject	Indebtedness portuguese families	pt_PT
dc.subject	Multiple regression model	pt_PT
dc.title	Effects and determinants of household debt in Portugal	pt_PT
dc.type	conference paper
dspace.entity.type	Publication
oaire.awardTitle	Strategic Project - UI 4058 - 2011-2012
oaire.awardURI	info:eu-repo/grantAgreement/FCT/6820 - DCRRNI ID/PEst-C%2FCJP%2FUI4058%2F2011/PT
oaire.citation.startPage	1322	pt_PT
oaire.citation.title	7th Annual EuroMed Conference of the EuroMed Academy of Business	pt_PT
oaire.fundingStream	6820 - DCRRNI ID
person.familyName	Pereira
person.givenName	José Alberto
person.identifier.ciencia-id	611F-80B2-A7C1
person.identifier.orcid	0000-0002-2260-0600
person.identifier.rid	L-6798-2014
person.identifier.scopus-author-id	57204366348
project.funder.identifier	http://doi.org/10.13039/501100001871
project.funder.name	Fundação para a Ciência e a Tecnologia
rcaap.rights	openAccess	pt_PT
rcaap.type	conferenceObject	pt_PT
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