Study conducted by Nicola Fuchs-Schuendeln (Goethe University Frankfurt, CFS, CEPR and NBER) and Michael Haliassos (Goethe University Frankfurt, CFS, CEPR and NETSPAR)

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