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

SCHOLARLY PAPERS

56

DOWNLOADS
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SSRN RANKINGS

Top 5,075

in Total Papers Downloads

15,304

SSRN CITATIONS
Rank 310

SSRN RANKINGS

Top 310

in Total Papers Citations

2,178

CROSSREF CITATIONS

1,583

Scholarly Papers (56)

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
University of Chicago - Booth School of Business, Yale UniversityNorthwestern University - Kellogg School of Management, University of Chicago, Princeton University and Dartmouth College
Downloads 1,656 (20,784)
Citation 23

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

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
University of Chicago - Booth School of Business, Yale UniversityNorthwestern University - Kellogg School of Management, University of Chicago, Princeton University and Dartmouth College
Downloads 1,013 (42,083)

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

What'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: 31 Dec 2022
affiliation not provided to SSRN, University of Chicago - Booth School of Business, Yale UniversityNorthwestern University - Kellogg School of Management, University of Chicago, Princeton University and Dartmouth College
Downloads 149 (365,581)
Citation 2

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3.

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 914 (49,289)

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

4.

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 888 (51,310)
Citation 18

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

5.

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 766 (62,687)
Citation 123

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exponential growth, household finance, behavioral finance

6.

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 625 (81,317)
Citation 33

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

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 563 (91,618)
Citation 1

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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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 4 (1,163,856)
Citation 51
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Adverse selection, credit markets, development finance, field experiment, Information asymmetries, microfinance, moral hazard

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
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 394 (140,627)
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

Center for Global Development Working Paper No. 330
Number of pages: 69 Posted: 08 Dec 2013
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 59 (679,385)
Citation 4

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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: 30 Mar 2023
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 32 (874,685)
Citation 8

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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
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 30 (892,920)
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

CEPR Discussion Paper No. DP9506
Number of pages: 71 Posted: 21 Jun 2013
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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Citation 28
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Compartamos Banco, microcredit, microcredit impact, microentrepreneurship

9.

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 455 (120,172)
Citation 15

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consumer choice, retail payments, behavioral economics

10.
Downloads 448 (122,351)
Citation 183

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
Yale UniversityNorthwestern University - Kellogg School of Management, Harvard University, University of Chicago and Dartmouth College
Downloads 156 (352,031)
Citation 5

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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
Yale UniversityNorthwestern University - Kellogg School of Management, Harvard University, University of Chicago and Dartmouth College
Downloads 117 (442,422)
Citation 13

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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
Yale UniversityNorthwestern University - Kellogg School of Management, Harvard University, University of Chicago and Dartmouth College
Downloads 113 (454,167)
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: 13 Apr 2023
Yale UniversityNorthwestern University - Kellogg School of Management, Harvard University, University of Chicago and Dartmouth College
Downloads 60 (673,595)
Citation 92

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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
Yale UniversityNorthwestern University - Kellogg School of Management, Harvard University, University of Chicago and Dartmouth College
Downloads 2 (1,182,324)
Citation 42
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attention, Intertemporal Consumer Choice, savings

11.

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 419 (132,279)
Citation 50

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

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 396 (141,174)
Citation 54

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

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
Yale UniversityNorthwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 289 (196,971)
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
Yale UniversityNorthwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 104 (483,229)
Citation 57

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Savings, Randomized Evaluation, Poverty

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 361 (155,206)
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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 6 (1,145,208)
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formal finance, informal finance, microcredit, microentreprenuership, microfinance, risk sharing

15.

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 355 (159,342)

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

16.
Downloads 331 (171,775)
Citation 9

Research and Impacts of Digital Financial Services

HKS Working Paper No. RWP16-037
Number of pages: 14 Posted: 30 Sep 2016
Yale UniversityNorthwestern 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 249 (229,037)
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: 06 May 2023
Yale UniversityNorthwestern 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 82 (565,076)
Citation 5

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17.

Borrow Less Tomorrow: Behavioral Approaches to Debt Reduction

Number of pages: 39 Posted: 15 May 2012
Dean S. Karlan, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 308 (185,242)
Citation 7

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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
Yale UniversityNorthwestern University - Kellogg School of Management, UCLA and Dartmouth College
Downloads 120 (433,938)

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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
UCLA, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 65 (645,951)

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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

Number of pages: 57 Posted: 03 Sep 2015
UCLA, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 44 (777,554)

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entrepreneurship, training, random experiment, 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
UCLA, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 39 (815,784)
Citation 15

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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: 24 Feb 2023
UCLA, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 39 (815,784)
Citation 4

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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
UCLA, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 0
Citation 7
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climate coalitions, climate policy, free riding, game theory

19.
Downloads 299 (191,300)
Citation 37

Household Debt: Facts, Puzzles, Theories, and Policies

Number of pages: 37 Posted: 10 Sep 2014
Jonathan Zinman
Dartmouth College
Downloads 251 (227,204)
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: 03 Jul 2023
Jonathan Zinman
Dartmouth College
Downloads 48 (749,067)
Citation 20

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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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20.

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 297 (192,674)
Citation 4

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

Annual Review of Financial Economics, Vol. 13, pp. 219-246, 2021
Posted: 09 Nov 2021
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Yale UniversityNorthwestern University - Kellogg School of Management, 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

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
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Northwestern University, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
Downloads 264 (215,952)

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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: 30 Posted: 22 Mar 2021 Last Revised: 23 Mar 2023
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Northwestern University, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
Downloads 20 (993,270)

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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
Bill & Melinda Gates Foundation, World Bank - Development Research Group (DECRG), Yale UniversityNorthwestern University - Kellogg School of Management, Innovations for Poverty Action, Innovations for Poverty Action and Dartmouth College
Downloads 0
Citation 11
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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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 241 (236,544)
Citation 2

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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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 2 (1,182,324)
Citation 55
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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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College

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D12, D14, G21, I32

23.

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
World Bank - Development Research Group (DECRG), Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 242 (236,651)
Citation 19

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

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 153 (357,900)
Citation 1

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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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 47 (755,903)

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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: 17 Mar 2023
Dean S. Karlan, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 21 (982,338)
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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 1 (1,192,286)
Citation 2
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interest rate elasticities, interest rate policy, interest rates, microcredit

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 86 (548,504)

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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 79 (578,304)

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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 2023
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 30 (892,920)

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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
Yale UniversityNorthwestern University - Kellogg School of Management, University of Exeter Business School - Department of Economics and Dartmouth College
Downloads 167 (331,973)

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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 2023
University of Exeter Business School - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 19 (1,004,257)

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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, Dean S. Karlan, Adam Osman and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 137 (391,153)

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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: 27 Apr 2023
Dean S. Karlan, Dean S. Karlan, Adam Osman and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 48 (749,067)

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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, Dean S. Karlan, Adam Osman and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 1 (1,192,286)
Citation 3
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consumption, fungibility, investment, liquidity constraint, liquidity shock, loan use, microcredit, microenterprise

28.

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

NBER Working Paper No. w7780
Number of pages: 74 Posted: 16 Jul 2000 Last Revised: 06 Oct 2022
Jonathan Gruber and Jonathan Zinman
Massachusetts Institute of Technology (MIT) - Department of Economics and Dartmouth College
Downloads 186 (302,003)
Citation 3

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29.

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 181 (309,464)
Citation 17

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

30.

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
University of Southern California - Center for Economic and Social Research (CESR), University of Exeter Business School - Department of Economics, Northwestern University, RAND Corporation and Dartmouth College
Downloads 175 (318,839)
Citation 4

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

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
Downloads 120 (433,938)

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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: 13 Jul 2023
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 47 (755,903)
Citation 17

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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 121 (431,134)

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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: 11 Feb 2023
Dean Karlan, Adam Osman and Jonathan Zinman
Northwestern University, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 32 (874,685)

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33.

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
Northwestern University - Kellogg School of Management, Northwestern University, Northwestern University and Dartmouth College
Downloads 125 (419,000)
Citation 2

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causal inference, data quality, research methods, survey design

34.
Downloads 115 (446,024)
Citation 1

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
Downloads 96 (510,624)
Citation 2

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Behavioral Biases are Temporally Stable

NBER Working Paper No. w27860
Number of pages: 71 Posted: 28 Sep 2020 Last Revised: 15 Feb 2023
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 19 (1,004,257)

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35.

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 113 (451,882)
Citation 2

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financial education, financial literacy, financial access, savings

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 65 (645,951)
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 2022
Victor Stango, Joanne Yoong and Jonathan Zinman
UC Davis Graduate School of Management, National University of Singapore (NUS) and Dartmouth College
Downloads 45 (770,188)
Citation 1

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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 73 (605,709)
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: 13 Apr 2023
Jonathan Zinman
Dartmouth College
Downloads 35 (848,391)
Citation 15

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38.
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Citation 6

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
Yale UniversityNorthwestern University - Kellogg School of Management, Yale University and Dartmouth College
Downloads 77 (587,160)
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 2023
Yale UniversityNorthwestern University - Kellogg School of Management, affiliation not provided to SSRN, Yale University and Dartmouth College
Downloads 26 (931,021)
Citation 1

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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 41 (800,252)
Citation 1

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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 21 (982,338)

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behavioral bias, consumer spending

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 2023
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 20 (993,270)

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40.

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
Yale UniversityNorthwestern University - Kellogg School of Management, Dartmouth College and London School of Economics & Political Science (LSE) - Department of Economics
Downloads 80 (566,952)

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

41.

(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
University of Ottawa, Yale UniversityNorthwestern University - Kellogg School of Management, Busara Center for Behavioral Economics and Dartmouth College
Downloads 79 (571,176)
Citation 1

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

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
University of Essex - Department of Economics, Yapi Kredi Bank A.S., Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 55 (703,228)
Citation 1

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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: 06 Apr 2023
European University Institute, University of Essex - Department of Economics, Yapi Kredi Bank A.S., Yale UniversityNorthwestern 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
University of Essex - Department of Economics, Yapi Kredi Bank A.S., Yale UniversityNorthwestern 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

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 47 (755,903)
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 Last Revised: 08 Feb 2023
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 23 (961,160)

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44.

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: 10 Jul 2023
Victor Stango and Jonathan Zinman
UC Davis Graduate School of Management and Dartmouth College
Downloads 67 (625,246)

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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: 06 Mar 2022
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 57 (691,124)
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
University of Arizona - Department of EconomicsUniversity of Michigan - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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Citation 2
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Compartamos Banco, microcredit, microcredit impact, microentrepreneruship

46.

Wintertime for Deceptive Advertising?

NBER Working Paper No. w17829
Number of pages: 37 Posted: 10 Feb 2012 Last Revised: 20 Mar 2023
Jonathan Zinman and Eric Zitzewitz
Dartmouth College and Dartmouth College
Downloads 51 (713,093)
Citation 1

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47.

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: 11 Mar 2023
New York University (NYU), Facebook Inc, University of California, Berkeley - Department of Economics and Dartmouth College
Downloads 34 (833,842)
Citation 24

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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 2023
London School of Economics & Political Science (LSE) - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 28 (911,488)
Citation 4

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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
London School of Economics & Political Science (LSE) - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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credit market failures, Information asymmetries, peer networks, social capital, social networks

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: 06 May 2023
University of Southern California - Center for Economic and Social Research (CESR), University of Exeter, Northwestern University, RAND Corporation and Dartmouth College
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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
University of Southern California - Center for Economic and Social Research (CESR), University of Exeter Business School - Department of Economics, Yale UniversityNorthwestern 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.

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: 02 Apr 2023
Dean S. Karlan, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
Downloads 25 (912,726)
Citation 21

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Five-Year Impacts of Group-Based Financial Education and Savings Promotion for Ugandan Youth

NBER Working Paper No. w28011
Number of pages: 26 Posted: 02 Nov 2020 Last Revised: 16 Jul 2023
Samantha Horn, Julian Jamison, Dean Karlan and Jonathan Zinman
Carnegie Mellon University, University of Exeter, Northwestern University and Dartmouth College
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Citation 2

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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: 54 Posted: 03 Nov 2020 Last Revised: 22 Sep 2021
Carnegie Mellon University, University of Exeter Business School - Department of Economics, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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financial access, Financial Education, financial literacy, Savings

52.

Bad Luck or Bad Decisions? Macroeconomic Implications of Persistent Heterogeneity in Cognitive Skills and Overconfidence

DIW Berlin Discussion Paper No. 2080
Number of pages: 53 Posted: 22 Apr 2024
Oliver Pfäuti, Fabian Seyrich and Jonathan Zinman
University of Mannheim Graduate School of Economic and Social Sciences, Students, Free University of Berlin (FUB) and Dartmouth College
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Household heterogeneity, cognitive skills, overconfidence, financial constraints, fiscal policy, HANK

Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society

NBER Working Paper No. w29566
Number of pages: 52 Posted: 13 Dec 2021 Last Revised: 16 Apr 2023
Ricardo Godoy, Dean Karlan and Jonathan Zinman
Brandeis University, Northwestern University and Dartmouth College
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Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society

CEPR Discussion Paper No. DP16810
Number of pages: 54 Posted: 04 Feb 2022
Brandeis University, Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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commitment savings, Mixed methods, native Amazonians, randomized evaluation, Temptation, Tsimane'

54.

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, Dean S. Karlan and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management and Dartmouth College
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Citation 10
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Microfinance

55.

Bad Luck or Bad Decisions? Macroeconomic Implications of Persistent Heterogeneity in Cognitive Skills and Overconfidence

NBER Working Paper No. w32305
Number of pages: 52 Posted: 08 Apr 2024
Oliver Pfäuti, Fabian Seyrich and Jonathan Zinman
University of Mannheim, Free University of Berlin (FUB) and Dartmouth College
Downloads 2 (1,135,381)
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56.

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, Dean S. Karlan, Adam Osman and Jonathan Zinman
Yale UniversityNorthwestern University - Kellogg School of Management, University of Illinois at Urbana-Champaign and Dartmouth College
Downloads 1 (1,143,840)
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Corporate social responsibility, discrimination, double-bottom line, microcredit, Microfinance, Multi-tasking, poverty targeting, social business