A staged empirical strategy is adopted, including a full-sample Probit model for general credit demand, a conditional Probit model for FTML demand among households with general credit demand, a ...

Duncan K. H. Fong is a Frank and Mary Jean Smeal Research Fellow and Professor of Marketing and Statistics at Penn State. Fong received his MS and PhD in Statistics from Purdue University in 1984 and ...

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Department of Environmental Medicine and Public Health, Icahn School of Medicine at Mount Sinai, New York, New York 10029, United States Department of Public Health Sciences, School of Medicine, ...