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Household Credit Usage: Personal Debt and Mortgages by Sumit Agarwal 1 Citation The field of household finance seeks to understand how households use financial instruments. Financial economists have long studied how corporations utilize financial instruments, yet relatively little is understood about how individual consumers and households utilize various credit alternatives in managing their consumption and savings objectives. However, with the increasing interest in issues surrounding behavioral finance, research into household financial decision making processes is bec, technorati.com
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