# **References**

Agarwal, Sumit, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, and Douglas D. Evanoff. 2009. “Do Financial Counseling Mandates Improve Mortgage Choice and Performance? Evidence from a Natural Experiment.” Federal Reserve Bank of Chicago Working Paper 2007-2009.

Agarwal, Sumit, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, and Douglas D. Evanoff. 2010. “Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis.” _American Economic Review: Papers & Proceedings_ 100: 495-500.

Akin, G. Gulsun, Ahmet Faruk Aysan, Serap Ozcelik, and Levent Yildiran. 2013. “Credit Card Satisfaction and Financial Literacy: Evidence from an Emerging Market Economy.” _Emerging Markets Finance & Trade_ 48(5): 103-115.

Allgood, Sam, and William B. Walstad. 2012. “The Effects of Perceived and Actual Financial Literacy on Financial Behaviors”. Available on SSRN.

Amromin, Gene, Itzhak Ben-David, Sumit Agarwal, Souphala Chomsisengphet, and Douglas D. Evanoff. 2010. “Financial Literacy and The Effectiveness of Financial Education and Counseling: A Review of the Literature.” The Federal Reserve Bank of Richmond, Working Paper Series WP 07-03.

Anderson, Joan Gray, Clarissa Uttley, and Claudia Kerbel. 2006. “Outcomes of a Workplace Financial Education Program.” _The Journal of Consumer Education_ 23: 37-49.

Anginer, Coville, Di Maro, Kanz, Legovini, Piza, and Zwager. 2013. “The Impact of Financial Education and Learning by Doing on Household Investment Behavior: Evidence from Brazil.” Bali Swain, Ranjula, and Adel Varghese. 2010. “Microfinance ‘Plus’: The Impact of Business Training on Indian Self Help Groups.” Uppsala University, Department of Economics Working Paper Series No 2010: 24.

Barcellos, Silvia Helena, James P. Smith, Joanne K. Yoong and Leandro Carvalho. 2012. “Barriers to Immigrant Use of Financial Services.” Financial Literacy Center Working Paper, Wr-923-SSA. Baron-Donovan, Corinne, Richard L. Wiener, Karen Gross, and Susan Block-Lieb. 2005. “Financial Literacy Teacher Training: A Multiple-Measure Evaluation.” Association for Financial Counseling and Planning Education.

Barron, John M. and Michael E. Staten. 2011. “Is Technology-Enhanced Credit Counseling As Effective as In-person Delivery?” Federal Reserve Bank of Philadelphia, Research Department Working Paper No. 11-11.

Barua, Rashmi, Gauri Kartini Shastry and Dean Yang. 2012. “Evaluating the Effect of Peer-Based Financial Education on Savings and Remittances for Foreign Domestic Workers in Singapore.” Working Paper.

Bauer, et al. 2011. “Dollar Works 2: Impact Evaluation.” University of Minnesota, Extension. Minneapolis, MN.

Bayer, Patrick, B. Douglas Bernheim, and John Karl Scholz. 2008. “The Effects of Financial Education in the Workplace: Evidence from a Survey of Employers.” _Economic Inquiry, Western Economic Association International_ 47 (4): 605-624.

Becchetti, Leonardo and Fabio Pisani. 2012. “Financial education on secondary school students: the randomized experiment revisited.” AICCON Working Papers 98.

Becchetti, Leonardo, Stefano Caiazza and Decio Coviello. 2011. “Financial education and investment in attitudes in high schools: evidence from a randomized experiment.” _Centre for Economic and Internation Studeis Tor Vergata_ 9(10): 210.

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