... Financial literacy Cognitive ability Personality traits Indonesia D1 D12 D13 D91 Many decisions in people’s lives are made jointly at the household level. As initially proposed by Becker's (1991) unitary model, each household has its joint-utility function which members attempt...

...-return rates than both political engagement and religiosity. Social capital Social integration Decennial Census Response rates Return rates Survey response D91 C81 C31 Article 1, Section 2 of the US Constitution directs that an “enumeration” of the population be made every...

... Habit persistence Hall’s consumption function I12 D91 People attempt to maintain the consumption levels to which they have become accustomed. Habit persistence is usually associated with consumption of a small set of goods (e.g. alcohol and cigarettes), but it is apparent that in reality...