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Credit card borrowing and the monoamine oxidase A (MAOA) gene

De Neve, Jan-Emmanuel and Fowler, James H. (2014) Credit card borrowing and the monoamine oxidase A (MAOA) gene. Journal of Economic Behavior & Organization, 107. pp. 428-439. ISSN 0167-2681

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Identification Number: 10.1016/j.jebo.2014.03.002


Using a discovery and replication sample from a U.S. representative data set, we show that a functional polymorphism on the MAOA gene is associated with credit card borrowing behavior. For the combined sample of approximately 12,000 individuals we find that having one or both MAOA alleles of the less transcriptionally efficient type raises the average likelihood of reporting credit card debt by about 4%. These results suggest that behavioral models benefit from integrating genetic variation and that economists should consider the welfare consequences of possible discrimination by lenders on the basis of genotype.

Item Type: Article
Official URL:
Additional Information: © 2014 Elsevier B.V.
Divisions: Centre for Economic Performance
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HV Social pathology. Social and public welfare. Criminology
Q Science > QH Natural history > QH426 Genetics
JEL classification: D - Microeconomics > D1 - Household Behavior and Family Economics > D14 - Personal Finance
D - Microeconomics > D9 - Intertemporal Choice and Growth > D91 - Intertemporal Consumer Choice; Life Cycle Models and Saving
G - Financial Economics > G0 - General
Date Deposited: 08 May 2014 08:49
Last Modified: 20 Oct 2021 02:10

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