Jonathan Zinman

Dartmouth College

R. Stephen Cheheyl Professor of Economics

Hanover, NH 03755

United States

http://https://sites.dartmouth.edu/jzinman/

Innovations for Poverty Action

1731 Connecticut Ave, 4th floor

New Haven, CT 20009

United States

Jameel Poverty Action Lab

E60-246

77 Massachusetts Avenue

Cambridge, MA 02139

United States

National Bureau of Economic Research (NBER)

1050 Massachusetts Avenue

Cambridge, MA 02138

United States

  • Dartmouth College

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    • Tel: 603-646-0075
SCHOLARLY PAPERS

54

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Scholarly Papers (54)

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1.

What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment

Yale University Economic Growth Center Discussion Paper No. 968, Yale Economics Department Working Paper No. 58
Number of pages: 35 Posted: 24 Jan 2009
Marianne Bertrand, Dean S. Karlan, Sendhil Mullainathan, Eldar Shafir and Jonathan Zinman
University of Chicago - Booth School of Business, Northwestern University - Kellogg School of Management, Harvard University - Department of Economics, Princeton University and Dartmouth College
Downloads 1,472 (15,570)
Citation 23

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economics of advertising, economics & psychology, behavioral economics, cues, microfinance

2.

What's Psychology Worth? A Field Experiment in the Consumer Credit Market

Downloads 1,075 ( 24,926)
Citation 5

What's Psychology Worth? A Field Experiment in the Consumer Credit Market

Yale University Economic Growth Center Discussion Paper No. 918
Number of pages: 59 Posted: 28 Jul 2005
Marianne Bertrand, Dean S. Karlan, Sendhil Mullainathan, Eldar Shafir and Jonathan Zinman
University of Chicago - Booth School of Business, Northwestern University - Kellogg School of Management, Harvard University - Department of Economics, Princeton University and Dartmouth College
Downloads 957 (29,030)

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Behavioral economics, psychology, microfinance, marketing, field experiment, credit markets

What&Apos;S Psychology Worth? A Field Experiment in the Consumer Credit Market

NBER Working Paper No. w11892
Number of pages: 60 Posted: 18 Jan 2006 Last Revised: 01 Jul 2021
Dean Karlin, Marianne Bertrand, Dean S. Karlan, Sendhil Mullainathan, Eldar Shafir and Jonathan Zinman
affiliation not provided to SSRN, University of Chicago - Booth School of Business, Northwestern University - Kellogg School of Management, Harvard University - Department of Economics, Princeton University and Dartmouth College
Downloads 118 (289,009)
Citation 1

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3.

What do Consumers Really Pay on Their Checking and Credit Card Accounts? Explicit, Implicit, and Avoidable Costs

American Economic Review, Vol. 99, No. 2, 2009, UC Davis Graduate School of Management Research Paper No. 06-09
Number of pages: 13 Posted: 07 May 2009 Last Revised: 17 Jul 2009
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 843 (35,213)
Citation 18

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household finance, credit cards, debit cards, overdraft fees, credit card fees, financial literacy

4.

Elasticities of Demand for Consumer Credit

Yale University Economic Growth Center Discussion Paper No. 926
Number of pages: 43 Posted: 08 Nov 2005
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 767 (40,090)

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credit markets, microfinance, demand elasticity, development finance, maturity

5.

Fuzzy Math, Disclosure Regulation and Credit Market Outcomes: Evidence from Truth in Lending Reform

Number of pages: 40 Posted: 04 Feb 2008 Last Revised: 04 Oct 2012
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 588 (56,927)
Citation 25

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truth in lending, payment/interest bias, disclosure regulation, consumer lending

6.

Exponential Growth Bias and Household Finance

Journal of Finance, Forthcoming
Number of pages: 67 Posted: 14 Jan 2008 Last Revised: 08 Oct 2008
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 556 (61,083)
Citation 79

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exponential growth, household finance, behavioral finance

7.

Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment

Downloads 437 ( 81,954)
Citation 83

Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment

Yale University Economic Growth Center Discussion Paper No. 911, Center for Global Development Working Paper No. 109
Number of pages: 58 Posted: 18 May 2005
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 433 (82,143)

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Information asymmetries, field experiment, adverse selection, moral hazard, development finance, credit markets, microfinance

Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment

CEPR Discussion Paper No. DP6182
Number of pages: 61 Posted: 20 May 2008
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 4 (780,603)
Citation 14
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Adverse selection, credit markets, development finance, field experiment, Information asymmetries, microfinance, moral hazard

8.

Why Use Debit Instead of Credit? Consumer Choice in a Trillion-Dollar Market

Number of pages: 50 Posted: 25 Aug 2004
Jonathan Zinman
Dartmouth College
Downloads 407 (89,075)
Citation 15

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consumer choice, retail payments, behavioral economics

9.

Savings By and For the Poor: A Research Review and Agenda

Downloads 339 (109,679)
Citation 29

Savings By and For the Poor: A Research Review and Agenda

Yale University Economic Growth Center Discussion Paper No. 1027, Yale Economics Department Working Paper No. 118
Number of pages: 43 Posted: 18 Jul 2013 Last Revised: 04 Apr 2014
Dean S. Karlan, Aishwarya Lakshmi Ratan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 272 (137,937)
Citation 3

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Savings, Randomized Evaluation, Poverty

Savings by and for the Poor: A Research Review and Agenda

Center for Global Development Working Paper No. 346
Number of pages: 54 Posted: 13 Dec 2013
Dean S. Karlan, Aishwarya Ratan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 67 (413,211)
Citation 27

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Savings, Randomized Evaluation, Poverty

10.

Restricting Consumer Credit Access: Household Survey Evidence on Effects around the Oregon Rate Cap

Number of pages: 24 Posted: 02 Feb 2009
Jonathan Zinman
Dartmouth College
Downloads 323 (115,701)
Citation 35

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payday loan, subprime credit market, predatory lending, usury, interest rate

11.

Getting to the Top of Mind: How Reminders Increase Saving

Downloads 319 (117,203)
Citation 133

Getting to the Top of Mind: How Reminders Increase Saving

Yale University Economic Growth Center Discussion Paper No. 988, Yale Economics Department Working Paper No. 82
Number of pages: 41 Posted: 12 Jul 2010
Dean S. Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Harvard University, Harvard University - Department of Economics and Dartmouth College
Downloads 122 (281,995)
Citation 4

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Intertemporal Consumer Choice, Savings, Attention

Getting to the Top of Mind: How Reminders Increase Saving

Netspar Discussion Paper No. 04/2010-022
Number of pages: 41 Posted: 03 Aug 2010
Dean S. Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Harvard University, Harvard University - Department of Economics and Dartmouth College
Downloads 92 (342,433)
Citation 15

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Intertemporal Consumer Choice, Savings, Attention

Getting to the Top of Mind: How Reminders Increase Saving

Number of pages: 43 Posted: 27 Apr 2010 Last Revised: 28 Apr 2010
Dean S. Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Harvard University, Harvard University - Department of Economics and Dartmouth College
Downloads 80 (373,594)
Citation 2

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Getting to the Top of Mind: How Reminders Increase Saving

NBER Working Paper No. w16205
Number of pages: 41 Posted: 26 Jul 2010 Last Revised: 12 Apr 2021
Dean S. Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Harvard University, Harvard University - Department of Economics and Dartmouth College
Downloads 23 (626,676)
Citation 32

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Getting to the Top of Mind: How Reminders Increase Saving

CEPR Discussion Paper No. DP7907
Number of pages: 43 Posted: 19 Jul 2010
Dean S. Karlan, Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Harvard University, Harvard University - Department of Economics and Dartmouth College
Downloads 2 (800,428)
Citation 42
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attention, Intertemporal Consumer Choice, savings

12.

In Harm's Way? Payday Loan Access and Military Personnel Performance

FRB of Philadelphia Working Paper No. 08-18
Number of pages: 37 Posted: 17 Sep 2008
Scott E. Carrell and Jonathan Zinman
University of California, Davis - Department of Economics and Dartmouth College
Downloads 317 (117,971)
Citation 43

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Credit access, Subprime credit market, Military readiness, Financial literacy

13.

Win Some Lose Some? Evidence From a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Downloads 308 (121,668)
Citation 79

Win Some Lose Some? Evidence From a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Yale University Economic Growth Center Discussion Paper No. 1026, Yale Economics Department Working Paper No. 117
Number of pages: 69 Posted: 07 Jun 2013
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 268 (140,117)
Citation 1

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microcredit, microcredit impact, microentrepreneurship, Compartamos Banco

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Center for Global Development Working Paper No. 330
Number of pages: 69 Posted: 08 Dec 2013
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 17 (672,319)
Citation 2

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microcredit; microcredit impact; microentrepreneurship; Compartamos Banco

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

IZA Discussion Paper No. 7439
Number of pages: 70 Posted: 22 Jun 2013
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 13 (704,637)
Citation 1

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microcredit, microcredit impact, microentrepreneurship, Compartamos Banco

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

NBER Working Paper No. w19119
Number of pages: 69 Posted: 18 Jun 2013 Last Revised: 05 Apr 2021
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 10 (729,830)
Citation 16

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Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

CEPR Discussion Paper No. DP9506
Number of pages: 71 Posted: 21 Jun 2013
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 28
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Compartamos Banco, microcredit, microcredit impact, microentrepreneurship

14.

Snowed: Deceptive Advertising by Ski Resorts

Number of pages: 32 Posted: 30 Jun 2009
Jonathan Zinman and Eric Zitzewitz
Dartmouth College and Dartmouth College
Downloads 302 (124,276)

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false advertising, misleading advertising, bait and switch, search costs, quality disclosure, product information, Internet

15.

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila

Downloads 272 (138,617)
Citation 58

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila

Yale Economics Department Working Paper No. 68, Yale University Economic Growth Center Discussion Paper No. 976
Number of pages: 35 Posted: 09 Sep 2009 Last Revised: 07 Mar 2010
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 266 (141,234)
Citation 82

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microfinance, microcredit, microentreprenuership, risk sharing, formal and informal

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila

CEPR Discussion Paper No. DP7396
Number of pages: 35 Posted: 08 Sep 2009
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 6 (763,662)
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formal finance, informal finance, microcredit, microentreprenuership, microfinance, risk sharing

16.

Credit Elasticities in Less-Developed Economies: Implications for Microcredit

Center for Global Development Working Paper No. 110
Number of pages: 57 Posted: 26 Apr 2007
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 249 (151,566)
Citation 4

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17.

Research and Impacts of Digital Financial Services

Downloads 238 (158,272)
Citation 6

Research and Impacts of Digital Financial Services

HKS Working Paper No. RWP16-037
Number of pages: 14 Posted: 30 Sep 2016
Dean S. Karlan, Jake Kendall, Rebecca Mann, Rohini Pande, Tavneet Suri and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Washington, CSE, Bill and Melinda Gates Foundation, Yale University - Economic Growth Center, Massachusetts Institute of Technology (MIT) - Sloan School of Management and Dartmouth College
Downloads 185 (200,080)
Citation 4

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Research and Impacts of Digital Financial Services

NBER Working Paper No. w22633
Number of pages: 14 Posted: 20 Sep 2016 Last Revised: 05 Apr 2021
Dean S. Karlan, Jake Kendall, Rebecca Mann, Rohini Pande, Tavneet Suri and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Washington, CSE, Bill and Melinda Gates Foundation, Yale University - Economic Growth Center, Massachusetts Institute of Technology (MIT) - Sloan School of Management and Dartmouth College
Downloads 53 (464,737)
Citation 1

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18.

Household Debt: Facts, Puzzles, Theories, and Policies

Downloads 233 (161,547)
Citation 33

Household Debt: Facts, Puzzles, Theories, and Policies

Number of pages: 37 Posted: 10 Sep 2014
Jonathan Zinman
Dartmouth College
Downloads 200 (186,472)
Citation 2

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consumer credit, consumer debt, household liabilities, household balance sheet, household finance, consumer finance

Household Debt: Facts, Puzzles, Theories, and Policies

NBER Working Paper No. w20496
Number of pages: 38 Posted: 22 Sep 2014 Last Revised: 04 Jul 2021
Jonathan Zinman
Dartmouth College
Downloads 33 (560,833)
Citation 16

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Household Debt: Facts, Puzzles, Theories, and Policies

Annual Review of Economics, Vol. 7, pp. 251-276, 2015
Posted: 07 Aug 2015
Jonathan Zinman
Dartmouth College

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19.

Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

Downloads 208 (179,950)
Citation 109

Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

Center for Global Development Working Paper No. 108, Yale University Economic Growth Center Discussion Paper No. 956
Number of pages: 46 Posted: 30 Apr 2007
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 206 (181,315)

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access to credit, microfinance, consumer loans

Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

CEPR Discussion Paper No. DP6407
Number of pages: 48 Posted: 20 May 2008
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 2 (800,428)
Citation 23
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Consumer credit, credit impact and microfinance

Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts

Review of Financial Studies, Vol. 23, No. 1, pp. 433-464, 2009
Posted: 25 Jan 2010
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College

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D12, D14, G21, I32

20.

Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction

Number of pages: 39 Posted: 15 May 2012
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 200 (186,607)
Citation 7

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21.

Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

Downloads 178 (206,940)
Citation 32

Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

Yale Economics Department Working Paper No. 95
Number of pages: 39 Posted: 21 Feb 2012 Last Revised: 29 Mar 2012
Dean S. Karlan, Robert W. Fairlie and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of California, Santa Cruz - Department of Economics and Dartmouth College
Downloads 94 (337,730)

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Healthcare, Entrepreneurship, Program evaluation, Unemployment insurance, Small and medium enterprise, Job training, Entrepreneurship training, Labor supply

Behind the Gate Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

CESifo Working Paper Series No. 4960
Number of pages: 50 Posted: 30 Sep 2014
Robert W. Fairlie, Dean S. Karlan and Jonathan Zinman
University of California, Santa Cruz - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 32 (566,526)

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entrepreneurship, training, random experiment, evaluation, self-employment

Behind the Gate Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

IZA Discussion Paper No. 8367
Number of pages: 59 Posted: 16 Aug 2014
Robert W. Fairlie, Dean S. Karlan and Jonathan Zinman
University of California, Santa Cruz - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 22 (634,177)

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entrepreneurship, training, random experiment, evaluation, self-employment

Behind the Gate Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

NBER Working Paper No. w17804
Number of pages: 44 Posted: 03 Feb 2012 Last Revised: 05 Apr 2021
Robert W. Fairlie, Dean S. Karlan and Jonathan Zinman
University of California, Santa Cruz - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 16 (680,218)
Citation 11

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Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

Number of pages: 57 Posted: 03 Sep 2015
Robert W. Fairlie, Dean S. Karlan and Jonathan Zinman
University of California, Santa Cruz - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 14 (696,368)

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entrepreneurship, training, random experiment, self-employment

Behind the Gate Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training

CEPR Discussion Paper No. DP8823
Number of pages: 41 Posted: 01 Mar 2012
Robert W. Fairlie, Dean S. Karlan and Jonathan Zinman
University of California, Santa Cruz - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 7
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climate coalitions, climate policy, free riding, game theory

22.

Put Your Money Where Your Butt is: A Commitment Contract for Smoking Cessation

World Bank Policy Research Working Paper No. 4985
Number of pages: 34 Posted: 20 Apr 2016
Xavier Giné, Dean S. Karlan and Jonathan Zinman
World Bank - Development Research Group (DECRG), Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 175 (210,020)
Citation 19

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Tobacco Use and Control, Health Monitoring & Evaluation, Disease Control & Prevention, Alcohol and Substance Abuse, Adolescent Health

23.

Youth Smoking in the U.S.: Evidence and Implications

NBER Working Paper No. w7780
Number of pages: 74 Posted: 16 Jul 2000 Last Revised: 05 Apr 2021
Jonathan Gruber and Jonathan Zinman
Massachusetts Institute of Technology (MIT) - Department of Economics and Dartmouth College
Downloads 157 (230,303)

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24.

Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico

Downloads 149 (240,433)
Citation 9

Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico

Yale University Economic Growth Center Discussion Paper No. 1024, Yale Economics Department Working Paper No. 115
Number of pages: 52 Posted: 01 Jul 2013
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 127 (273,511)

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microcredi, interest rates, interest rate policy, interest rate elasticities

Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico

Center for Global Development Working Paper No. 331
Number of pages: 53 Posted: 08 Dec 2013
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 13 (704,637)
Citation 1

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credit, microcredit

Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico

NBER Working Paper No. w19106
Number of pages: 53 Posted: 08 Jun 2013 Last Revised: 05 Apr 2021
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 8 (746,635)
Citation 4

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Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico

CEPR Discussion Paper No. DP9503
Number of pages: 55 Posted: 12 Jun 2013
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 1 (813,698)
Citation 2
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interest rate elasticities, interest rate policy, interest rates, microcredit

25.

Where is the Missing Credit Card Debt? Clues and Implications

Downloads 148 (241,788)
Citation 24

Where is the Missing Credit Card Debt? Clues and Implications

Federal Reserve Bank of Philla Payment Cards Center Discussion Paper No. 07-11
Number of pages: 26 Posted: 28 Nov 2007
Jonathan Zinman
Dartmouth College
Downloads 145 (246,560)
Citation 5

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Credit card, Revolving debt, Survey of Consumer Finances, G.19, Data quality

Where is the Missing Credit Card Debt? Clues and Implications

Review of Income and Wealth, Vol. 55, No. 2, pp. 249-265, June 2009
Number of pages: 17 Posted: 12 May 2009
Jonathan Zinman
Dartmouth College
Downloads 3 (789,611)
Citation 6
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26.

Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs

Downloads 137 (257,265)
Citation 2

Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs

Yale University Economic Growth Center Discussion Paper No. 1040, Yale Economics Department Working Paper No. 132
Number of pages: 127 Posted: 11 May 2014
Dean S. Karlan, Julian C. Jamison and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Exeter Business School - Department of Economics and Dartmouth College
Downloads 132 (265,622)

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financial education, financial literacy, financial access, savings, youth savings, microsaving

Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs

NBER Working Paper No. w20135
Number of pages: 40 Posted: 19 May 2014 Last Revised: 09 Jul 2021
Julian C. Jamison, Dean S. Karlan and Jonathan Zinman
University of Exeter Business School - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 5 (772,222)

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27.

Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives

Downloads 123 (279,025)

Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives

Global Poverty Research Lab Working Paper No. 20-110, When citing this paper, please use the following: Annual Review Financial Economics. 3, 2020: Submitted. DOI: 10.1146/annurev-financial-071020-012008
Number of pages: 30 Posted: 16 Dec 2020 Last Revised: 02 Apr 2021
Seth Garz, Xavier Giné, Dean Karlan, Rafe Mazer, Caitlin Sanford and Jonathan Zinman
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Northwestern University, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
Downloads 123 (280,224)

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household finance, consumer protection

Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives

NBER Working Paper No. w28262
Number of pages: 33 Posted: 22 Mar 2021 Last Revised: 05 Apr 2021
Seth Garz, Xavier Giné, Dean Karlan, Rafe Mazer, Caitlin Sanford and Jonathan Zinman
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Northwestern University, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
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Consumer Protection for Financial Inclusion in Low and Middle Income Countries: Bridging Regulator and Academic Perspectives

CEPR Discussion Paper No. DP15596
Number of pages: 33 Posted: 14 May 2021
Seth Garz, Xavier Giné, Dean S. Karlan, Rafe Mazer, Caitlin Sanford and Jonathan Zinman
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Northwestern University - Kellogg School of Management, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
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28.

Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions

Downloads 123 (279,025)

Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions

Michigan Retirement Research Center Research Paper No. 2018-378
Number of pages: 62 Posted: 13 Jun 2018
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 59 (441,562)

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behavioral economics, financial well-being, b-factors, empirical evidence

Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions

Number of pages: 84 Posted: 20 Jul 2017
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 47 (490,018)

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Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions

NBER Working Paper No. w23625
Number of pages: 86 Posted: 04 Aug 2017 Last Revised: 22 Jul 2021
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 17 (672,319)

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29.

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock

Downloads 106 (309,856)
Citation 4

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock

Yale University Economic Growth Center Discussion Paper No. 1034, Yale Economics Department Working Paper No. 126
Number of pages: 25 Posted: 19 Nov 2013
Dean S. Karlan, Adam Osman and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 100 (324,385)

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loan use, consumption, investment, liquidity constraint, liquidity shock, fungibility, microcredit

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock

NBER Working Paper No. w19696
Number of pages: 25 Posted: 10 Dec 2013 Last Revised: 26 Apr 2021
Dean S. Karlan, Adam Osman and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 5 (772,222)

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Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock

CEPR Discussion Paper No. DP9773
Number of pages: 27 Posted: 10 Dec 2013
Dean S. Karlan, Adam Osman and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
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Citation 3
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consumption, fungibility, investment, liquidity constraint, liquidity shock, loan use, microcredit, microenterprise

30.

Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets

Downloads 102 (317,996)

Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets

Global Poverty Research Lab Working Paper No. 18-105
Number of pages: 20 Posted: 07 Mar 2018 Last Revised: 18 Dec 2019
Dean Karlan, Adam Osman and Jonathan Zinman
Northwestern University, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 94 (337,730)

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corporate social responsibility, double-bottom line, multi-tasking, social business, poverty targeting, discrimination, microfinance, microcredit

Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets

NBER Working Paper No. w24379
Number of pages: 26 Posted: 12 Mar 2018 Last Revised: 17 Jul 2021
Dean Karlan, Adam Osman and Jonathan Zinman
Northwestern University, University of Illinois at Urbana-Champaign and Dartmouth College
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31.

Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees

Downloads 96 (330,643)
Citation 53

Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees

FRB of Philadelphia Working Paper No. 11-17
Number of pages: 46 Posted: 23 Apr 2011 Last Revised: 21 May 2011
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
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household finance, attention, overdraft fees, intertemporal choice

Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees

NBER Working Paper No. w17028
Number of pages: 64 Posted: 09 May 2011 Last Revised: 12 Jul 2021
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 25 (612,131)
Citation 17

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32.

Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive Power

Global Poverty Research Lab Working Paper No. 19-104
Number of pages: 50 Posted: 21 Jul 2019 Last Revised: 14 Oct 2020
Jeremy Burke, Julian C. Jamison, Dean Karlan, Kata Mihaly and Jonathan Zinman
Center for Economic and Social Research (CESR), University of Exeter Business School - Department of Economics, Northwestern University, RAND Corporation and Dartmouth College
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Citation 6

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subprime, thin file, credit scoring, screening, credit invisibles, household finance, consumer finance

33.

Behavioral Biases Are Temporally Stable

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Behavioral Biases Are Temporally Stable

Number of pages: 70 Posted: 09 Nov 2020
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
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Behavioral Biases are Temporally Stable

NBER Working Paper No. w27860
Number of pages: 71 Posted: 28 Sep 2020
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
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34.

The Quest for Parsimony in Behavioral Economics: New Methods and Evidence on Three Fronts

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Citation 5

The Quest for Parsimony in Behavioral Economics: New Methods and Evidence on Three Fronts

Number of pages: 102 Posted: 03 Feb 2017
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 36 (543,939)
Citation 4

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Behavioral economics, behavioral finance, household finance, psychology and economics, behavioral macroeconomics, behavioral public finance.

The Quest for Parsimony in Behavioral Economics: New Methods and Evidence on Three Fronts

NBER Working Paper No. w23057
Number of pages: 104 Posted: 17 Jan 2017 Last Revised: 03 Jul 2021
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 22 (634,177)

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35.

(Ineffective) Messages to Encourage Recycling: Evidence from a Randomized Evaluation in Peru

World Bank Policy Research Working Paper No. 6548
Number of pages: 59 Posted: 20 Apr 2016
Alberto Chong, Dean S. Karlan, Jeremy Shapiro and Jonathan Zinman
University of Ottawa, Northwestern University - Kellogg School of Management, Busara Center for Behavioral Economics and Dartmouth College
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Citation 1

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Water and Industry, Environmental Economics & Policies, Housing & Human Habitats, Knowledge for Development, E-Business

36.

A Personal Touch: Text Messaging for Loan Repayment

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Citation 4

A Personal Touch: Text Messaging for Loan Repayment

Yale University Dept. of Economics Working Paper No. 102
Number of pages: 19 Posted: 27 Mar 2012
Dean S. Karlan, Melanie Morten and Jonathan Zinman
Northwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 41 (518,170)
Citation 1

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microcredit, microfinance, randomized evaluation, development finance

A Personal Touch: Text Messaging for Loan Repayment

NBER Working Paper No. w17952
Number of pages: 19 Posted: 31 Mar 2012 Last Revised: 22 Jul 2021
Dean S. Karlan, Melanie Morten, Melanie Morten and Jonathan Zinman
Northwestern University - Kellogg School of Management, affiliation not provided to SSRN, Yale University and Dartmouth College
Downloads 17 (672,319)
Citation 1

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37.

Consumer Credit: Too Much or Too Little (or Just Right)?

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Citation 19

Consumer Credit: Too Much or Too Little (or Just Right)?

Journal of Legal Studies, Special Issue on Benefit-Cost Analysis of Financial Regulation, Forthcoming
Number of pages: 27 Posted: 27 Nov 2013
Jonathan Zinman
Dartmouth College
Downloads 41 (518,170)
Citation 1

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credit supply, lending, asymmetric information, behavioral economics, asset market externalities, microcredit, deleveraging, consumer protection

Consumer Credit: Too Much or Too Little (or Just Right)?

NBER Working Paper No. w19682
Number of pages: 28 Posted: 28 Nov 2013 Last Revised: 12 Apr 2021
Jonathan Zinman
Dartmouth College
Downloads 11 (721,468)
Citation 6

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38.

You Can Pick Your Friends, But You Need to Watch Them: Loan Screening And Enforcement in a Referrals Field Experiment

Number of pages: 39 Posted: 27 Mar 2012
Dean S. Karlan, Jonathan Zinman and Gharad Bryan
Northwestern University - Kellogg School of Management, Dartmouth College and London School of Economics & Political Science (LSE) - Department of Economics
Downloads 51 (464,966)

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Information asymmetries, credit market failures, peer networks, social capital, social networks

39.

Good Identification, Meet Good Data

Global Poverty Research Lab Working Paper No. 19-105
Number of pages: 8 Posted: 20 Dec 2019 Last Revised: 01 Oct 2020
Andrew Dillon, Dean Karlan, Christopher Udry and Jonathan Zinman
Northwestern University - Kellogg School of Management, Northwestern University, Northwestern University and Dartmouth College
Downloads 47 (481,197)

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causal inference, data quality, research methods, survey design

40.

Unshrouding Effects on Demand for a Costly Add-On: Evidence from Bank Overdrafts in Turkey

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Citation 13

Unshrouding Effects on Demand for a Costly Add-On: Evidence from Bank Overdrafts in Turkey

Economics Department Working Paper No. 138, Yale University Economic Growth Center Discussion Paper No. 1044
Number of pages: 41 Posted: 22 Feb 2015 Last Revised: 22 Jan 2016
Sule Alan, Mehmet Cemalcılar, Dean S. Karlan and Jonathan Zinman
University of Essex - Department of Economics, Yapi Kredi Bank A.S., Northwestern University - Kellogg School of Management and Dartmouth College
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contingent charges, deceptive advertising, transaction-linked credit, small-dollar loans, consumer banking, retail banking, deposit accounts

Unshrouding Effects on Demand for a Costly Add-On: Evidence from Bank Overdrafts in Turkey

NBER Working Paper No. w20956
Number of pages: 41 Posted: 16 Feb 2015 Last Revised: 05 Apr 2021
Sule Alan, Sule Alan, Mehmet Cemalcılar, Dean S. Karlan and Jonathan Zinman
European University Institute, University of Essex - Department of Economics, Yapi Kredi Bank A.S., Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 4

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Unshrouding Effects on Demand for a Costly Add-On: Evidence from Bank Overdrafts in Turkey

CEPR Discussion Paper No. DP10414
Number of pages: 43 Posted: 17 Feb 2015
Sule Alan, Mehmet Cemalcılar, Dean S. Karlan and Jonathan Zinman
University of Essex - Department of Economics, Yapi Kredi Bank A.S., Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 3
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advertising, consumer banking, contingent charges, deposit accounts, habit formation, limited attention, retail banking, salience

41.

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs

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Citation 3

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs

Number of pages: 54 Posted: 17 May 2013
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 28 (591,533)
Citation 3

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credit cards, search costs, credit scoring, household finance

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs

NBER Working Paper No. w19069
Number of pages: 55 Posted: 24 May 2013
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
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42.

We Are All Behavioral, More or Less: Measuring and Using Consumer-Level Behavioral Sufficient Statistics

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Citation 1

We Are All Behavioral, More or Less: Measuring and Using Consumer-Level Behavioral Sufficient Statistics

Number of pages: 96 Posted: 28 Feb 2019
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 15 (688,187)
Citation 1

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We are All Behavioral, More or Less: Measuring and Using Consumer-Level Behavioral Sufficient Statistics

NBER Working Paper No. w25540
Number of pages: 97 Posted: 12 Feb 2019 Last Revised: 15 Apr 2021
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 12 (713,061)

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We are All Behavioral, More or Less: Measuring and Using Consumer-Level Behavioral Sufficient Statistics

FRB of Philadelphia Working Paper No. 19-14
Number of pages: 98 Posted: 25 Feb 2019 Last Revised: 29 Apr 2020
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 6 (763,662)

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behavioral bias, consumer spending

43.

Does Lasting Behavior Change Require Knowledge Change? Evidence from Savings Interventions for Young Adults

Global Poverty Research Lab Working Paper No. 20-109
Number of pages: 56 Posted: 15 Oct 2020 Last Revised: 29 Jan 2021
Samantha Horn, Julian Jamison, Dean Karlan and Jonathan Zinman
Northwestern University, University of Exeter, Northwestern University and Dartmouth College
Downloads 25 (594,482)

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financial education, financial literacy, financial access, savings

44.

Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

Downloads 18 (642,392)
Citation 3

Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

NBER Working Paper No. w19827
Number of pages: 38 Posted: 25 Jan 2014 Last Revised: 05 Apr 2021
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 17 (672,319)
Citation 1

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Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco

CEPR Discussion Paper No. DP9811
Number of pages: 40 Posted: 02 Jun 2014
Manuela Angelucci, Dean S. Karlan and Jonathan Zinman
University of Michigan - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 2
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Compartamos Banco, microcredit, microcredit impact, microentrepreneruship

45.

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment

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Citation 5

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment

NBER Working Paper No. w17883
Number of pages: 34 Posted: 02 Mar 2012 Last Revised: 14 May 2021
Gharad Bryan, Dean S. Karlan and Jonathan Zinman
London School of Economics & Political Science (LSE) - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 15 (688,187)
Citation 2

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You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment

CEPR Discussion Paper No. DP8857
Number of pages: 41 Posted: 01 Mar 2012
Gharad Bryan, Dean S. Karlan and Jonathan Zinman
London School of Economics & Political Science (LSE) - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
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credit market failures, Information asymmetries, peer networks, social capital, social networks

46.

Wintertime for Deceptive Advertising?

NBER Working Paper No. w17829
Number of pages: 37 Posted: 10 Feb 2012 Last Revised: 21 Mar 2021
Jonathan Zinman and Eric Zitzewitz
Dartmouth College and Dartmouth College
Downloads 14 (671,335)
Citation 1

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47.

List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds

NBER Working Paper No. w17475
Number of pages: 17 Posted: 08 Oct 2011 Last Revised: 05 Apr 2021
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
Downloads 12 (686,589)
Citation 5

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48.

We are All Behavioral, More or Less: A Taxonomy of Consumer Decision Making

NBER Working Paper No. w28138
Number of pages: 74 Posted: 01 Dec 2020 Last Revised: 21 May 2021
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
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49.

Credit Building or Credit Crumbling? A Credit Builder Loan's Effects on Consumer Behavior, Credit Scores and Their Predictive Power

Downloads 7 (725,328)

Credit Building or Credit Crumbling? A Credit Builder Loan's Effects on Consumer Behavior, Credit Scores and Their Predictive Power

NBER Working Paper No. w26110
Number of pages: 50 Posted: 07 Aug 2019 Last Revised: 05 Apr 2021
Jeremy Burke, Julian Jamison, Dean Karlan, Kata Mihaly and Jonathan Zinman
Center for Economic and Social Research (CESR), University of Exeter, Northwestern University, RAND Corporation and Dartmouth College
Downloads 7 (755,165)

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Credit Building or Credit Crumbling? A Credit Builder Loan's Effects on Consumer Behavior, Credit Scores and Their Predictive Power

CEPR Discussion Paper No. DP13884
Number of pages: 53 Posted: 02 Aug 2019 Last Revised: 02 Nov 2020
Jeremy Burke, Julian C. Jamison, Dean S. Karlan, Kata Mihaly and Jonathan Zinman
Center for Economic and Social Research (CESR), University of Exeter Business School - Department of Economics, Northwestern University - Kellogg School of Management, RAND Corporation and Dartmouth College
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consumer finance, credit invisibles, credit scoring, household finance, screening, subprime, thin file

50.

Are High-Interest Loans Predatory? Theory and Evidence from Payday Lending

NBER Working Paper No. w28799
Number of pages: 59 Posted: 18 May 2021 Last Revised: 20 Jul 2021
Hunt Allcott, Joshua J. Kim, Dmitry Taubinsky and Jonathan Zinman
New York University (NYU), Facebook Inc, University of California, Berkeley - Department of Economics and Dartmouth College
Downloads 6 (733,186)
Citation 1
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51.

Credit Elasticities in Less-Developed Economies: Implications for Microfinance

CEPR Discussion Paper No. 6071
Number of pages: 58 Posted: 29 Jun 2007
Dean S. Karlan and Jonathan Zinman
Northwestern University - Kellogg School of Management and Dartmouth College
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Citation 10
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Microfinance

52.

Does Lasting Behavior Change Require Knowledge Change? Evidence from Savings Interventions for Young Adults

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Does Lasting Behavior Change Require Knowledge Change? Evidence from Savings Interventions for Young Adults

NBER Working Paper No. w28011
Number of pages: 51 Posted: 02 Nov 2020 Last Revised: 01 Aug 2021
Samantha Horn, Julian Jamison, Dean Karlan and Jonathan Zinman
Carnegie Mellon University, University of Exeter, Northwestern University and Dartmouth College
Downloads 2 (800,428)
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Does Lasting Behavior Change Require Knowledge Change? Evidence from Savings Interventions for Young Adults

CEPR Discussion Paper No. DP15392
Number of pages: 59 Posted: 03 Nov 2020 Last Revised: 11 Feb 2021
Samantha Horn, Julian C. Jamison, Dean S. Karlan and Jonathan Zinman
Carnegie Mellon University, University of Exeter Business School - Department of Economics, Northwestern University - Kellogg School of Management and Dartmouth College
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53.

Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets

CEPR Discussion Paper No. DP12838
Number of pages: 22 Posted: 12 Apr 2018
Dean S. Karlan, Adam Osman and Jonathan Zinman
Northwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 1 (777,810)
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Corporate social responsibility, discrimination, double-bottom line, microcredit, Microfinance, Multi-tasking, poverty targeting, social business

54.

Savings by and for the Poor: A Research Review and Agenda

Review of Income and Wealth, Vol. 60, Issue 1, pp. 36-78, 2014
Number of pages: 43 Posted: 06 Feb 2014
Dean S. Karlan, Aishwarya Lakshmi Ratan and Jonathan Zinman
Northwestern University - Kellogg School of Management, Yale University and Dartmouth College
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poverty, randomized evaluation, savings