The effect of shocks in household debt on health

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dc.contributor.advisorSanten, P. van
dc.contributor.authorMunckhof, Jesper van den
dc.date.issued2016-07-14
dc.description.abstractThe association between shocks in mortgage debt and health is analyzed by using data from the DNB Household survey from 2003 to 2014. Two measures for individual indebtedness are applied: mortgage debt and the Loan-to-Value ratio. Results show that mortgage debt does not have a direct effect on health, but an indirect effect on health through the Loan-to-Value ratio. Problems of reverse causality are reduced by the Dutch medical insurance system and by using a subsample of constantly employed individuals. Fixed effects and instrumental variables are used to reduce the omitted variable bias and to create a case for causality.en_US
dc.identifier.urihttps://theses.ubn.ru.nl/handle/123456789/1771
dc.language.isoenen_US
dc.thesis.facultyFaculteit der Managementwetenschappenen_US
dc.thesis.specialisationAccounting & Controlen_US
dc.thesis.studyprogrammeMaster Economicsen_US
dc.thesis.typeMasteren_US
dc.titleThe effect of shocks in household debt on healthen_US
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