Study realised by Tiziana Assenza (Toulouse School of Economics, University of Toulouse Capitole), Alberto Cardaci (Goethe University Frankfurt) and Michael Haliassos (Goethe University Frankfurt and CEPR)

Study conducted by Tullio Jappelli (University of Naples Federico II, CSEF and CEPR) and Mario Padula (Ca’ Foscari University of Venice, CSEF et CEPR)