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Consumer Expertise or Credit Risk? An empirical analysis of mortgage pricing
; Espinosa Alejos, María Paz 
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
Loan mortgage interest rates are usually the result of a bank-customer negotiation process. Credit risk, consumer cross-buying potential, bundling, financial market competition and other features affecting the bargaining ...
Endogenous Unions Formation
Chica Páez, Yolanda; Espinosa Alejos, María Paz (University of the Basque Country, Department of Foundations of Economic Analysis II, 2009-12)
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2009-12)
This paper analyzes the process of endogenous union formation in the context of a sequential bargaining model between a firm and several unions and tries to explain why workers may be represented by several unions of ...
Union Formation and Bargaining Rules in the Labor Market
Chica Páez, Yolanda; Espinosa Alejos, María Paz (University of the Basque Country, Department of Foundations of Economic Analysis II, 2005-03)
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2005-03)
This paper analyzes union formation in a model of bargaining between a firm and several unions. We address two questions: first, the optimal configuration of unions (their number and size) and, second, the impact of the ...