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Work
I am an Economist at
the World Bank Finance Research Group in Washington, DC.
My research is focused on the behavior of firms, banks, households and their
financial interactions. I use both experimental and non-experimental methods in
my research. Here are links to my CV
and papers:
PUBLICATIONS
“The Impact of Financial Literacy
Training for Migrants,” Forthcoming,
World Bank Economic Review, Also
available as: World Bank Policy Research
Working Paper No. 6073, May 2012 (with David McKenzie and John Gibson)
“Liability
Structure in Small-Scale Finance – Evidence from a Natural
Experiment,” Forthcoming, World Bank Economic Review, Also
available as: World Bank Policy Research
Working Paper No. 5427, September 2010
(with Fenella Carpena,
Shawn Cole, and Jeremy Shapiro)
“Prices or Knowledge? What Drives Demand for Financial
Services in Emerging Markets?” Journal
of Finance, Vol. 66, Issue 6: 1933-1967, December 2011 (with Shawn Cole and
Thomas Sampson)
“Dollars
Dollars Everywhere, Nor a Dime to Lend: Credit Limit Constraints on Financial
Sector Absorptive Capacity,” Review
of Financial Studies, Vol. 23, Issue 12: 4281-4323, December 2010 (with Asim Khwaja and Atif Mian)
“Export
Incentives, Financial Constraints, and the (Mis)Allocation of Credit: Evidence from Subsidized Export
Loans,” Journal of Financial
Economics, Vol. 87, Issue 2, February 2008
"Valuing
Financial Literacy," (with Shawn Cole and Thomas Sampson) Forthcoming in “Banking
the World: Empirical Foundations of Financial Inclusion,” ed. Robert
J. Cull, Asli Demirgüç‑Kunt,
Jonathan Morduch. MA: MIT Press.
“Microfinance for Entrepreneurs,” (with
Miriam Bruhn and Fenella Carpena),
in “Oxford
Handbook of Entrepreneurial Finance”, Oxford University Press, 2012
“Banking in Developing Nations of Asia: An
Overview of Recent Changes in Ownership Structure,” (with Leora Klapper and Maria Soledad
Martinez), in Berger, et. al. “Oxford
Handbook of Banking”, Oxford University Press, 2010
WORKING
PAPERS
“Who
you Train Matters: Identifying Complementary Effects of Financial Education on
Migrant Households,” World
Bank Policy Research Working Paper No. 6157, August 2012 (with David
McKenzie and Yoko Doi)
“Financial
Literacy around the World: An Overview of the Evidence with Practical
Suggestions for the Way Forward,” World Bank Policy Research Working Paper 6107, July 2012 (with Lisa
Xu)
“Unpacking
the Causal Chain of Financial Literacy,” World Bank Policy Research Working Paper No. 5798, September 2011
(with Fenella Carpena,
Shawn Cole, and Jeremy Shapiro)
“Stimulating
Managerial Capital in Emerging Markets: The Impact of Business and Financial
Literacy for Young Entrepreneurs,” World Bank Policy Research Working Paper No. 5642, April 2011 (with
Miriam Bruhn)
“The ABC’s of Financial Literacy:
Experimental Evidence on Attitudes, Behavior, and Cognitive Biases” (with
Fenella Carpena, Shawn
Cole, and Jeremy Shapiro)
WORK
IN PROGRESS
“Financial Literacy for High School Students
and their Parents: Evidence from Brazil” (with Miriam Bruhn and Arianna Legovini)
“Financial Literacy through Soap Operas: A
Mass Media Experiment in South Africa” (with Gunhild
Berg)
“De-Biasing Financial Biases: Experimental
Evidence from South Africa” (with Shawn Cole)
“Managerial Capital and Business
Transformation in Emerging Markets” (with Rajesh Chandy
and Stephen Macdonald)
“Financial Literacy and Mobile Banking in
India” (with Leopold Sarr and Santadarshan Sadhu)
“The Value of Sequencing Financial
Development Interventions” (with David Atkin)
“Cross Country Impact Evaluation of Financial
Literacy” (joint with DECRG FPD team)
“Cross Country Consumer Financial Awareness
Surveys” (joint with Sue Rutledge and World Bank project team)
“Identifying Peer Effects in a
Business Environment: Evidence from Small-Scale Industries in Uganda”
(joint with Francisco Campos, Markus Goldstein, Obert
Pimhidzai, Antoinette Schoar,
and Mattea Stein)
“Testing the Theory of the Firm: Experiments
in Organizational Structure” (joint with Shawn Cole and Atif Mian)
“The Impact of Land Titling in Morocco”
(joint with Najy Benhassine)
OUTREACH
MATERIAL
“What
Have we Learned About Financial Literacy Around the
World?” World Bank All About Finance Blog, September 2012 (with Lisa Xu)
“The
Impact of Financial Literacy Training for Migrants at Destination,”
Finance & PSD Impact Note, Issue 18, May 2012 (with David McKenzie and John
Gibson)
“Can
Financial Literacy Help Migrants Save on Remittance Costs,” World
Bank All About Finance Blog, May 2012 (with David McKenzie)
“Should
it be our Business to Promote Business Training?” World Bank All
About Finance Blog, June 2011 (with Miriam Bruhn)
“Unpacking
the Causal Chain of Financial Literacy,” World Bank Development
Impact Blog, June 2011.
“The
Impact of Business and Financial Literacy for Young Entrepreneurs in Bosnia
Herzegovina,” Finance and PSD Impact Note, Issue 13, May 2011 (with
Miriam Bruhn)
“New
Ideas in Business Growth,” World Bank All About Finance Blog, April
2011 (with Miriam Bruhn)
“The Fad of Financial Literacy?” World Bank
All About Finance Blog, August 2010 (Ranked 2nd Most
Popular blog post).
”Financial Stability and Access: The
Importance of Financial Literacy,” Research Brief, World Bank, January
2009 (with Leora Klapper)
“Access to Finance in Indonesia,” World
Bank Jakarta Office, June 2009 (Lead author for analytical chapters)
“Valuing
Financial Literacy,” Finance and PSD Impact Note, Issue 5, May 2009
(with Shawn Cole and Thomas Sampson)
“All About
Finance,” World Bank Policy Research Report, 2008 (Contributing author)
“In Search of Good
Governance: Experiments from South Asia’s Water and Sanitation
Sector”, New Delhi: Water and Sanitation Program, The World Bank, 2002. (with J. Davis,