http://www.bilalzia.com/webfiles/navbar-4-active-29890.png

http://www.bilalzia.com/webfiles/navbar-4-active-29890.png

http://www.bilalzia.com/webfiles/navbar-4-active-29890.png

http://www.bilalzia.com/webfiles/navbar-4-active-29890.png

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

 

“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

 

“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; doi: 10.1093/rfs/hhq091 (with Asim Khwaja and Atif Mian)

 

“Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets?” Forthcoming, Journal of Finance (with Shawn Cole and Thomas Sampson)

 

“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

 

“Microfinance for Entrepreneurs,” (with Miriam Bruhn and Fenella Carpena), Forthcoming in “Oxford Handbook on Entrepreneurial Finance”

 

 

WORKING PAPERS

 

“Stimulating Managerial Capital in Emerging Markets: The Impact of Business and Financial Literacy for Young Entrepreneurs,” World Bank Policy Research Working Paper No. 5642 (joint with Miriam Bruhn) 

 

“Liability Structure in Small-scale Finance: Evidence From a Natural Experiment,” World Bank Policy Research Working Paper No. 5427 (with Fenella Carpena, Shawn Cole and Jeremy Shapiro)

 

“The ABC’s of Financial Literacy: Experimental Evidence on Attitudes, Behavior, and Cognitive Biases” (joint with Fenella Carpena, Shawn Cole, and Jeremy Shapiro)

 

“The Channel of Financial Literacy: Identifying Impacts on Financial Knowledge” (joint with Fenella Carpena, Shawn Cole, and Jeremy Shapiro)

 

 

WORK IN PROGRESS

 

“Financial Literacy for High School Students and their Parents – Evidence from Brazil” (joint with Miriam Bruhn, Arianna Legovini, and Rogelio Marchetti)

 

“Cross-Country Impact Evaluation of Financial Literacy” (joint with DECRG FPD Team)

 

“De-Biasing Financial Biases: Experimental Evidence from South Africa” (joint with Shawn Cole) 

 

 “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

 

”Financial Stability and Access: The Importance of Financial Literacy,” Research Brief, World Bank, January 2009 (with Leora Klapper)

 

“Valuing Financial Literacy,” DECRG FPD Impact Evaluation Note, 2009. 

 

“Access to Finance in Indonesia,” World Bank Jakarta Office, June 2009 (Lead author for analytical chapters)

 

“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, S. Tankha, A. Ghosh, P. Martin, T. Samad and G. Prunier)