Евграфова Руфина Юрьевна

Education

2023

Master's
HSE University

2021

Bachelor's
HSE University

Postgraduate Studies

1st year of study
Approved topic of thesis: Mortgage and fertility: relationship between loan commitments and reproductive behaviour
Academic Supervisor: Elena Vakulenko

Conferences

2025
XV международная Грушинская социологическая конференция. Presentation: Дети с ипотекой? Взаимосвязь кредитных обязательств с репродуктивным поведением в России
XXV Ясинская (Апрельская) международная научная конференция по проблемам развития экономики и общества (Москва). Presentation: Ипотека и рождение детей: возможность или бремя?
7th Conference 'Applied Econometrics' (Москва). Presentation: Mortgage and fertility: relationship between loan liability and reproductive behaviour in Russia

2024
Modern Econometric Tools and Applications – META2024 (Нижний Новгород). Presentation: Analysis of the relationship between fertility and mortgage in Russia
47-я Международная научная школа-семинар имени академика С.С. Шаталина "Системное моделирование социально-экономических процессов" (Воронеж). Presentation: Исследование связи ипотечных кредитов с рождаемостью в России

16

Sep

2025

Mortgage and Demography: HSE Scientists Reveal How Mortgage Debt Shapes Family Priorities

Having a mortgage increases the likelihood that a Russian family will plan to have a child within the next three years by 39 percentage points. This is the conclusion of a study by Prof. Elena Vakulenko and doctoral student Rufina Evgrafova from the HSE Faculty of Economic Sciences. The authors emphasise that this effect is most pronounced among women, people under 36, and those without children. The study findings have been published in Voprosy Ekonomiki.