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Report CFEB research report CR03

The long term impacts of financial capability: evidence from the BHPS


Publication date

Feb 2011


This report presents the analysis from the project ‘The long term impacts of financial capability’, which investigates whether a person’s ability to manage and take control of their finances (their ‘financial capability’) at a particular point in time has an effect on a number of different outcomes at some point in the future – are there long-term benefits (costs) associated with financial capability (incapability)? We use data from the British Household Panel Survey (BHPS) to examine the extent to which people’s financial capability in 1991 is associated with outcomes between 1996 and 2006, using a range of descriptive and multivariate statistical techniques that allow us to control for observed and unobserved characteristics of individuals and the households in which they live.


Income Dynamics and Finance


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