Does biological endowment matter for demand for financial services? Evidence from 2D:4D ratio in the Russian household survey
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- 作者：Irina Andrievskaya ; PhD irina.k.andrievskaia@gmail.com" class="auth_mail" title="E-mail the corresponding author ; Maria Semenova ; msemenova@hse.ru" class="auth_mail" title="E-mail the corresponding author
- 关键词：Prenatal testosterone ; 2D ; 4D ratio ; Financial inclusion ; Deposit ; Loan ; Insurance ; RLMS ; Russia
- 刊名：Personality and Individual Differences
- 出版年：2017
- 出版时间：January 2017
- 年：2017
- 卷：104
- 期：Complete
- 页码：155-165
- 全文大小：1103 K
文摘
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We investigate if prenatal testosterone measured by 2D:4D ratio influence household financial inclusion
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We use RLMS survey data on Russian households, 2011–2012
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For women higher PT means lower demand for deposits and loans and higher demand for life insurance
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For men higher PT means higher demand for loans and more active bank card use
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Relationship for bank card use and insurance is non-linear for women
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