Sumit Agarwal

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Contact

Affiliations

• National University of Singapore (NUS) → Department of Economics (weight: 50%)
  • website
  • location: Singapore, Singapore
• National University of Singapore (NUS) → Business School (weight: 25%)
  • website
  • location: Singapore, Singapore
• National University of Singapore (NUS) → Department of Real Estate (weight: 25%)
  • website
  • location: Singapore, Singapore

Research profile

author of:

• An empirical analysis of home equity loan and line performance
  by Agarwal, Sumit & Ambrose, Brent W. & Chomsisengphet, Souphala & Liu, Chunlin
• Financial markets and the financing choice of firms: Evidence from developing countries
  by Agarwal, Sumit & Mohtadi, Hamid
• Credit Lines and Credit Utilization
  by Agarwal, Sumit & Ambrose, Brent W. & Liu, Chunlin
• Loan commitments and private firms
  by Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll
• The impact of the 2001 financial crisis and the economic policy responses on the Argentine mortgage market
  by Agarwal, Sumit & Chomsisengphet, Souphala & Hassler, Olivier
• Telecommunications and economic growth: a panel data approach
  by Anusua Datta & Sumit Agarwal
• Where does price discovery occur for stocks traded in multiple markets? Evidence from Hong Kong and London
  by Agarwal, Sumit & Liu, Chunlin & Rhee, S. Ghon
• Do consumers choose the right credit contracts?
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & Nicholas S. Souleles
• Exemption laws and consumer delinquency and bankruptcy behavior: an empirical analysis of credit card data
  by Agarwal, Sumit & Liu, Chunlin & Mielnicki, Lawrence
• The choice between arm's-length and relationship debt: evidence from e-loans
  by Sumit Agarwal & Robert Hauswald
• The Reaction of Consumer Spending and Debt to Tax Rebates-Evidence from Consumer Credit Data
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
• The reaction of consumer spending and debt to tax rebates; evidence from consumer credit data
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
• Learning in the Credit Card Market
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
• Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
  by Sumit Agarwal & Paige M. Skiba & Jeremy Tobacman
• Impact of State Exemption Laws on Small Business Bankruptcy Decision
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & Lawrence Mielnicki
• Comparing the prime and subprime mortgage markets
  by Sumit Agarwal & Calvin T. Ho
• The consumption response to minimum wage increases
  by Daniel Aaronson & Sumit Agarwal & Eric French
• The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey
  by Sumit Agarwal & Victor Souphom & Guy Yamashiro
• The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
• Does it pay to read your junk mail? evidence of the effect of advertising on home equity credit choices
  by Sumit Agarwal & Brent W. Ambrose
• Investor demand for IPOs and aftermarket performance: Evidence from the Hong Kong stock market
  by Agarwal, Sumit & Liu, Chunlin & Rhee, S. Ghon
• Optimal Mortgage Refinancing: A Closed Form Solution
  by Sumit Agarwal & John C. Driscoll & David Laibson
• The age of reason: financial decisions over the lifecycle
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David I. Laibson
• Technology transfer perspectives in globalising India (drugs and pharmaceuticals and biotechnology)
  by S. Agarwal & Ashwani Gupta & R. Dayal
• Do Forbearance Plans Help Mitigate Credit Card Losses?
  by Sumit Agarwal & Souphala Chomsisengphet & Lawrence Mielnicki
• The reaction of consumer spending and debt to tax rebates – evidence from consumer credit data
  by Sumit Agarwal & Chunlin Liu & Nicholas S. Souleles
• The Age of Reason: Financial Decisions Over the Lifecycle
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
• Earnings management behaviors under different economic environments: Evidence from Japanese banks
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin & Ghon Rhee, S.
• Why do foreign investors underperform domestic investors in trading activities? Evidence from Indonesia
  by Agarwal, Sumit & Faircloth, Sheri & Liu, Chunlin & Ghon Rhee, S.
• The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• Why aren't banks lending more? the role of commercial real estate
  by Sumit Agarwal & Hesna Genay & Robert McMenamin
• Perverse incentives at the banks? Evidence from a natural experiment
  by Sumit Agarwal & Faye H. Wang
• Determinants of automobile loan default and prepayment
  by Sumit Agarwal & Brent W. Ambrose & Souphala Chomsisengphet
• Pension Participation and Uncovered Workers
  by Geoffrey Sanzenbacher & Nadia Karamcheva
• The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
• Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• Optimal Mortgage Refinancing: A Closed Form Solution
  by Sumit Agarwal & John C. Driscoll & David Laibson
• Why do banks reward their customers to use their credit cards?
  by Sumit Agarwal & Sujit Chakravorti & Anna Lunn
• The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence
  by Agarwal, Sumit & Ambrose, Brent W. & Huang, Hongming & Yildirim, Yildiray
• The asset-backed securities markets, the crisis and TALF
  by Sumit Agarwal & Jacqueline Barrett & Crystal Cun & Mariacristina De Nardi
• Market-based loss mitigation practices for troubled mortgages following the financial crisis
  by Sumit Agarwal & Eugene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
• Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• The role of securitization in mortgage renegotiation
  by Sumit Agarwal & Eugene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
• Rescuing asset-backed securities markets
  by Sumit Agarwal & Crystal Cun & Mariacristina De Nardi
• Learning in the Credit Card Market
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
• Distance and Private Information in Lending
  by Sumit Agarwal
• Benefits of relationship banking: evidence from consumer credit markets
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & Nicholas S. Souleles
• Do financial counseling mandates improve mortgage choice and performance? Evidence from a legislative experiment
  by Sumit Agarwal & Eugene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
• The Role of Securitization in Mortgage Renegotiation
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• Cognitive abilities and household financial decision making
  by Sumit Agarwal & Bhashkar Mazumder
• Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
  by Sumit Agarwal & Paige Marta Skiba & Jeremy Tobacman
• Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
• The Importance of Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations
  by SUMIT AGARWAL & SOUPHALA CHOMSISENGPHET & CHUNLIN LIU
• Consumer bankruptcy and default: The role of individual social capital
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin
• Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default?
  by Sumit Agarwal & Brent W. Ambrose & Souphala Chomsisengphet & Anthony B. Sanders
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru
• The efficiency of internal capital markets: Evidence from the Annual Capital Expenditure Survey
  by Agarwal, Sumit & Chiu, I.-Ming & Souphom, Victor & Yamashiro, Guy M.
• Spending responses to state sales tax holidays
  by Sumit Agarwal & Leslie McGranahan
• Electrical and thermal properties of Pr 2/3 (Ba 1−x Cs x ) 1/3 MnO 3 manganites
  by N. Panwar & D. Pandya & A. Rao & K. Wu & N. Kaurav & Y. Kuo & S. Agarwal
• The Consumption Response to Minimum Wage Hikes
  by Sumit Agarwal & Dan Aaronson & Eric French
• THE BROKERAGE FIRM EFFECT IN HERDING: EVIDENCE FROM INDONESIA
  by Sumit Agarwal & I.‐Ming Chiu & Chunlin Liu & S. Ghon Rhee
• Predatory Lending and the Subprime Crisis
  by Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D.
• What is the Age of Reason?
  by Sumit Agarwal & John C. Driscoll & Xavier Gabaix & David Laibson
• The role of securitization in mortgage renegotiation
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• Inconsistent Regulators: Evidence From Banking
  by Sumit Agarwal & David Lucca & Amit Seru & Francesco Trebbi
• How do private firms use credit lines?
  by Sumit Agarwal & Souphala Chomsisengphet & John C. Driscoll
• The Age of Reason: Financial Decisions Over the Lifecycle
  by Xavier Gabaix & John C. Driscoll & David Laibson & Sumit Agarwal
• Did the Community Reinvestment Act (CRA) Lead to Risky Lending?
  by Sumit Agarwal & Efraim Benmelech & Nittai Bergman & Amit Seru
• Do Loan Officers' Incentives Lead to Lax Lending Standards?
  by Ben-David, Itzhak & Agarwal, Sumit
• The Spending and Debt Response to Minimum Wage Hikes
  by Daniel Aaronson & Sumit Agarwal & Eric French
• The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market
  by SUMIT AGARWAL & BRENT W. AMBROSE & SOUPHALA CHOMSISENGPHET & CHUNLIN LIU
• The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation
  by Laibson, David I. & Agarwal, Sumit & Driscoll, John C. & Gabaix, Xavier
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Piskorski, Tomasz & Seru, Amit
• Optimal Mortgage Reï¬ nancing: A Closed Form Solution
  by Agarwal, Sumit & Driscoll, John D. & Laibson, David I.
• Predatory lending and the subprime crisis
  by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.
• Regulating Consumer Financial Products: Evidence from Credit Cards
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
• Why do borrowers make mortgage refinancing mistakes?
  by Sumit Agarwal & Richard J. Rosen & Vincent W. Yao
• Regulating Consumer Financial Products: Evidence from Credit Cards
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
• Optimal Mortgage Refinancing: A Closed-Form Solution
  by SUMIT AGARWAL & JOHN C. DRISCOLL & DAVID I. LAIBSON
• Summary of \\"benefits of relationship banking: evidence from consumer credit markets\\"
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu
• Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program
  by Sumit Agarwal & Eugene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Tomasz Piskorski & Amit Seru
• Predatory Lending and the Subprime Crisis
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff
• Homebuilders, Affiliated Financing Arms and the Mortgage Crisis
  by Sumit Agarwal & Eugene Amromin & Claudine Gartenberg & Anna L. Paulson & Sriram Villupuram
• Determinants of credit card delinquency and bankruptcy: Macroeconomic factors
  by Sumit Agarwal & Chunlin Liu
• Cognitive Abilities and Household Financial Decision Making
  by Sumit Agarwal & Bhashkar Mazumder
• Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore
  by Sumit Agarwal & Wenlan Qian
• Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit
  by Sumit Agarwal & Luojia Hu & Xing Huang
• Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
  by Sumit Agarwal & Itzhak Ben-David & Vincent Yao
• Distance and information asymmetries in lending decisions
  by Sumit Agarwal & Robert Hauswald
• A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
• The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas Evanoff
• Holdup by Junior Claimholders: Evidence from the Mortgage Market
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Yan Zhang
• Loan Prospecting and the Loss of Soft Information
  by Sumit Agarwal & Itzhak Ben-David
• Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real-Estate Market
  by Agarwal, Sumit & Ben-David, Itzhak & Yao, Vincent
• Adverse selection in mortgage securitization
  by Agarwal, Sumit & Chang, Yan & Yavas, Abdullah
• Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance?
  by Itzhak Ben-David & Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Douglas D. Evanoff
• Do consumers choose the right credit contracts?
  by Agarwal, Sumit & Chomsisengphet, Souphala & Liu, Chunlin & Souleles, Nicholas S.
• Does inequality cause financial distress? Evidence from lottery winners and neighboring bankruptcies
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
• Earnings Management During Distinct Periods of Capital Demand – Evidence from Japanese Banks
  by Sumit Agarwal & Souphala Chomsisengphet & Chunlin Liu & S. Ghon Rhee
• Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program
  by Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Tim Landvoigt & Tomasz Piskorski & Amit Seru & Vincent Yao
• Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?
  by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel
• Loan Product Steering in Mortgage Markets
  by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Douglas D. Evanoff
• Consumer Mobility and the Local Structure of Consumption Industries
  by Sumit Agarwal & J. Bradford Jensen & Ferdinando Monte
• Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
• Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies
  by Sumit Agarwal & Vyacheslav Mikhed & Barry Scholnick
• How Did the Great Recession Affect Payday Loans?
  by Sumit Agarwal & Tal Gross & Bhashkar Mazumder
• The asset-backed securities markets, the crisis, and TALF
  by Sumit Agarwal & Jacqueline Barrett & Mariacristina De Nardi
• Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases
  by Sumit Agarwal & Brent W. Ambrose & Moussa Diop
• Searching for Approval
  by Sumit Agarwal & John Grigsby & Ali Hortaçsu & Gregor Matvos & Amit Seru & Vincent Yao
• Owe a Bank Millions, the Bank Has a Problem: Credit Concentration in Bad Times
  by Sumit Agarwal & Ricardo Correa & Bernardo Morais & Jessica Roldán & Claudia Ruiz
• Bank Stress Test Results and Their Impact on Consumer Credit Markets
  by Sumit Agarwal & Xudong An & Lawrence R. Cordell & Raluca Roman