econ papers | Gist.Science

A Computer-Implemented Risk Prediction and Constrained Pricing Framework for Interest Rate Adjustment and Risk-Premium Redistribution in Subprime Auto Loans

This paper presents a computer-implemented framework that integrates gradient boosting, survival analysis, and constrained optimization to refine subprime auto loan pricing, significantly improving risk prediction accuracy and enabling more granular interest rate adjustments that lower rates for low-risk borrowers while adhering to profit and loss constraints.

Tianyi Xu, Jiawei Zhang, Weijun Zhu2026-07-21

📈 economics

Renewable Capacity, Coal Spillovers, and Grid Reliability: Spatial Durbin and LeSage-Pace Panel Evidence from Indian States Under SDG 7

Despite India's near-universal electrification and significant renewable capacity additions, this study of 35 states from 2020 to 2023 reveals that coal generation remains the primary driver of energy deficits while renewable capacity shows no measurable impact on reliability, suggesting that current capacity-based SDG 7 monitoring overstates the operational maturity of the energy transition.

Prakash Gurumurti Vhankade2026-07-21

📈 economics

Monetary Policy, Exchange Rate Shocks, and Asset Prices in a Small Open Frontier Economy: An Integrated Multi-Horizon Distributional Analysis

This study utilizes an integrated multi-horizon distributional analysis of Ghana's equity market from 2014 to 2024 to reveal that domestic monetary policy shocks have a weak and inconsistent impact on stock returns, whereas global oil prices and short-term funding costs play a more significant, state-dependent role in driving market dynamics.

Isaac Nyame, Gabriel Osei Forkuo2026-07-21

📈 economics

Beyond Account Ownership: Digital Payments and Formal Savings as Robust Correlates of Financial Inclusion, 2011–2024

Analyzing six waves of the World Bank Global Findex Database from 2011 to 2024, this study reveals that while global account ownership has significantly increased, digital payment usage and formal savings behavior are the most robust correlates of financial inclusion, suggesting that policy efforts should prioritize these usage dimensions over mere account ownership or credit access.

Isaac Nyame, Baffour Osei, Abigail Boatemaa, Gabriel Osei Forkuo2026-07-21

📈 economics

From Vacancies to Placements: Education–Sector Complementarity and Spatial Labour-Market Matching across Türkiye’s Provinces

This study analyzes Türkiye's provincial labor markets from 2021 to 2024, finding that job placements are primarily driven by vacancy volume and the spatial alignment between regional education structures and sectoral production needs, rather than by labor supply size alone.

Kamil Taşcı2026-07-21

📈 economics

Reflexive Digital Twin Marketing Theory: Governing Algorithmic Marketing Agents Through Reinforcement Learning

This paper proposes Reflexive Digital Twin Marketing Theory (RDTMT), a framework developed through a scoping review of 742 records and formalized via reinforcement learning equations, which redefines algorithmic marketing as a co-evolving sociotechnical system governed by constructs like Digital Reflexivity and Ethical Feedback Elasticity to better evaluate and audit the ethical responsiveness of marketing agents toward consumers.

Atantra Dasgupta, Prof Kirti Sharma2026-07-21

📈 economics

Relational Discipline as Competitive Advantage: Leadership Behaviour and Firm Performance in Bangladesh’s Ready-Made Garment Industry

This study demonstrates that in Bangladesh's ready-made garment industry, relational leadership fosters competitive advantage and firm performance by balancing operational discipline with worker dignity through a concept termed "relational discipline," which integrates respect and voice with clear accountability.

Alam Tareque, Nazrul Islam2026-07-21

📈 economics

Knowledge of First-Year Economics Students on Economics as a Basis for the Development of an Infographics Book

This descriptive-correlational study found that first-year economics students possess a moderate overall knowledge level with significant gaps in quantitative topics and a strong dependence on their senior high school background, thereby providing the empirical basis for developing a targeted infographics book to address these learning deficiencies.

Jameson Estrada2026-07-21

📈 economics

Ruling Party and Scheduled Caste/Tribe Human Development in India:

This study analyzes three decades of data across 27 Indian states and concludes that the identity of the ruling party does not robustly predict human development gains for Scheduled Castes and Tribes, as outcomes are primarily driven by initial literacy and poverty levels rather than political affiliation.

Kunal Dhanda2026-07-21

📈 economics

Helium Shortages Persist Through Geopolitical Tensions and Supply Chain Disruptions: Effects on the Semiconductor Industry

Geopolitical tensions, specifically the closure of the Strait of Hormuz in February 2026, have exacerbated global helium shortages by disrupting the supply of high-purity 6N-grade helium from Qatar to major Northeast Asian semiconductor manufacturers, thereby threatening chip production and driving up costs despite emerging reserve projects.

Sabah Al Rawahi2026-07-21

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