Bilal Zia

World Bank - Development Research Group (DECRG)

Financial Economist

MC3-445

1818 H Street, N.W.

Washington, DC 20433

SCHOLARLY PAPERS

23

DOWNLOADS
Rank 4,624

SSRN RANKINGS

Top 4,624

in Total Papers Downloads

9,715

SSRN CITATIONS
Rank 4,892

SSRN RANKINGS

Top 4,892

in Total Papers Citations

100

CROSSREF CITATIONS

154

Scholarly Papers (23)

1.

Financial Literacy Around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward

World Bank Policy Research Working Paper No. 6107
Number of pages: 58 Posted: 20 Apr 2016
Lisa Xu and Bilal Zia
Harvard University - Harvard Kennedy School (HKS) and World Bank - Development Research Group (DECRG)
Downloads 3,715 (2,939)
Citation 5

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Financial Literacy, Access to Finance, Education For All, Access & Equity in Basic Education, Primary Education

2.

Financial Literacy in the Developing World

Number of pages: 24 Posted: 12 Apr 2013
Lisa Xu and Bilal Zia
Harvard University - Harvard Kennedy School (HKS) and World Bank - Development Research Group (DECRG)
Downloads 1,046 (23,044)
Citation 1

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Financial Literacy, Financial Education, Financial Capability, Randomized Evaluation

3.

Stimulating Managerial Capital in Emerging Markets: The Impact of Business and Financial Literacy for Young Entrepreneurs

World Bank Policy Research Working Paper No. 5642
Number of pages: 62 Posted: 20 Apr 2016
Miriam Bruhn and Bilal Zia
World Bank - Development Research Group (DECRG) and World Bank - Development Research Group (DECRG)
Downloads 762 (36,072)
Citation 10

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Financial Literacy, Access to Finance, Business in Development, Competitiveness and Competition Policy, Business Environment

4.

Unpacking the Causal Chain of Financial Literacy

World Bank Policy Research Working Paper No. 5798
Number of pages: 36 Posted: 20 Apr 2016
Oslo Business School, Harvard Business School, University of California, Berkeley and World Bank - Development Research Group (DECRG)
Downloads 735 (37,892)
Citation 1

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Financial Literacy, Education For All, Access & Equity in Basic Education, Access to Finance, Primary Education

5.

Prices or Knowledge? What Drives Demand for Financial Services in Emerging Markets?

Journal of Finance, Forthcoming, Harvard Business School Finance Working Paper No. 09-117
Number of pages: 122 Posted: 09 Apr 2009 Last Revised: 14 Oct 2010
Harvard Business School, London School of Economics & Political Science (LSE) - Centre for Economic Performance (CEP) and World Bank - Development Research Group (DECRG)
Downloads 589 (50,904)
Citation 18

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Banking and finance, financial institutions, field experiments, India, Indonesia, economic development, consumer finance, financial education

6.

The Impact of High School Financial Education: Experimental Evidence from Brazil

World Bank Policy Research Working Paper No. 6723
Number of pages: 55 Posted: 20 Apr 2016
World Bank - Development Research Group (DECRG), Columbia University, World Bank, World Bank - Latin America and Caribbean Region and World Bank - Development Research Group (DECRG)
Downloads 501 (62,435)
Citation 1

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Tertiary Education, Financial Literacy, Education For All, Secondary Education, Primary Education

7.

Can You Help Someone Become Financially Capable? A Meta-Analysis of the Literature

World Bank Policy Research Working Paper No. 6745
Number of pages: 77 Posted: 20 Apr 2016
World Bank, affiliation not provided to SSRN, affiliation not provided to SSRN and World Bank - Development Research Group (DECRG)
Downloads 434 (74,616)
Citation 8

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Financial Literacy, Access to Finance, Access & Equity in Basic Education, Curriculum & Instruction, Teaching and Learning

8.

The Abcs of Financial Education: Experimental Evidence on Attitudes, Behavior, and Cognitive Biases

World Bank Policy Research Working Paper No. 7413
Number of pages: 42 Posted: 20 Apr 2016
Oslo Business School, Harvard Business School, Busara Center for Behavioral Economics and World Bank - Development Research Group (DECRG)
Downloads 398 (82,339)
Citation 7

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Social Development & Poverty, Economics of Education

9.

Harnessing Emotional Connections to Improve Financial Decisions: Evaluating the Impact of Financial Education in Mainstream Media

World Bank Policy Research Working Paper No. 6407
Number of pages: 51 Posted: 20 Apr 2016
Gunhild Berg and Bilal Zia
World Bank and World Bank - Development Research Group (DECRG)
Downloads 318 (106,383)
Citation 11

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Population Policies, Access to Finance, Financial Literacy, Debt Markets, Banks & Banking Reform

Export Incentives, Financial Constraints, and the (Mis)Allocation of Credit: Micro-Level Evidence from Subsidized Export Loans

Number of pages: 58 Posted: 19 Jul 2006
Bilal Zia
World Bank - Development Research Group (DECRG)
Downloads 300 (112,597)
Citation 26

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Financial Development, Financial Constraints, Credit Allocation, Exports, Subsidies

Export Incentives, Financial Constraints, and the (Mis)Allocation of Credit: Micro-Level Evidence from Subsidized Export Loans

Journal of Financial Economics, Forthcoming
Posted: 14 Jan 2007
Bilal Zia
World Bank - Development Research Group (DECRG)

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Financial Development, Financial Constraints, Credit Allocation, Exports, Subsidies

11.

Who You Train Matters: Identifying Complementary Effects of Financial Education on Migrant Households

World Bank Policy Research Working Paper No. 6157
Number of pages: 42 Posted: 20 Apr 2016
Yoko Doi, David J. McKenzie and Bilal Zia
affiliation not provided to SSRN, World Bank - Development Research Group (DECRG) and World Bank - Development Research Group (DECRG)
Downloads 182 (184,666)
Citation 5

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Financial Literacy, Access to Finance, Education For All, Access & Equity in Basic Education, Primary Education

The Causal Mechanism of Financial Education: Evidence From Mediation Analysis

Number of pages: 72 Posted: 24 Sep 2018 Last Revised: 16 Apr 2020
Fenella Carpena and Bilal Zia
Oslo Business School and World Bank - Development Research Group (DECRG)
Downloads 104 (288,698)

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Causal Mediation Analysis, Mechanism of Impact, Financial Education, Financial Literacy, Financial Knowledge, Impact Evaluation, Randomized Control Trial

The Causal Mechanism of Financial Education: Evidence from Mediation Analysis

World Bank Policy Research Working Paper No. 8619
Number of pages: 46 Posted: 23 Oct 2018 Last Revised: 24 Oct 2018
Fenella Carpena and Bilal Zia
Oslo Business School and World Bank - Development Research Group (DECRG)
Downloads 50 (437,436)
Citation 1

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13.

Liability Structure in Small-Scale Finance: Evidence from a Natural Experimen

World Bank Policy Research Working Paper No. 5427
Number of pages: 34 Posted: 20 Apr 2016
Oslo Business School, Harvard Business School, Busara Center for Behavioral Economics and World Bank - Development Research Group (DECRG)
Downloads 125 (251,446)
Citation 3

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Debt Markets, Bankruptcy and Resolution of Financial Distress, Access to Finance, Microfinance, Deposit Insurance

14.

Pathways to Profits: Identifying Separate Channels of Small Firm Growth Through Business Training

World Bank Policy Research Working Paper No. 7774
Number of pages: 69 Posted: 21 Sep 2016
Stanford Graduate School of Business, London Business School and World Bank - Development Research Group (DECRG)
Downloads 102 (290,734)

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Technology Innovation, Technology Industry

15.

The Impact of Financial Literacy Training for Migrants

World Bank Policy Research Working Paper No. 6073
Number of pages: 31 Posted: 20 Apr 2016
University of Waikato, World Bank - Development Research Group (DECRG) and World Bank - Development Research Group (DECRG)
Downloads 102 (290,734)
Citation 5

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Financial Literacy, Access to Finance, Remittances, Population Policies, Education For All

16.

Debiasing on a Roll: Changing Gambling Behavior Through Experiential Learning

World Bank Policy Research Working Paper No. 7195
Number of pages: 43 Posted: 20 Apr 2016
Martin Abel, Shawn Allen Cole and Bilal Zia
Harvard University, Harvard Business School and World Bank - Development Research Group (DECRG)
Downloads 78 (343,691)

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Inequality, Educational Sciences

17.

Determinants and Dynamics of Business Aspirations: Evidence from Small-scale Entrepreneurs in an Emerging Market

CentER Discussion Paper Series No. 2018-009
Number of pages: 40 Posted: 03 Mar 2018 Last Revised: 17 Apr 2018
Tilburg University - Center for Economic Research (CentER), University of California at Berkeley and World Bank - Development Research Group (DECRG)
Downloads 56 (408,942)
Citation 1

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Aspirations, adaptive learning, micro-enterprises, innovation, small business growth, firm performance

18.

The Impact of Interest Rate Caps on the Financial Sector: Evidence from Commercial Banks in Kenya

World Bank Policy Research Working Paper No. 8393
Number of pages: 39 Posted: 03 Apr 2018
Mehnaz Safavian and Bilal Zia
World Bank and World Bank - Development Research Group (DECRG)
Downloads 30 (517,629)
Citation 1

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Banks & Banking Reform, Financial Sector Policy, Rural Microfinance and SMEs, Microfinance, Public Finance Decentralization and Poverty Reduction, Public Sector Economics

19.

Measuring the Unmeasured: Combining Technology and Behavioral Insights to Improve Measurement of Business Outcomes

World Bank Policy Research Working Paper No. 8836
Number of pages: 49 Posted: 01 May 2019
Stanford Graduate School of Business, IDinsight and World Bank - Development Research Group (DECRG)
Downloads 29 (523,003)

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20.

Local Best Practices for Business Growth

CentER Discussion Paper Series Nr. 2019-015
Number of pages: 69 Posted: 23 May 2019
Tilburg University - Center for Economic Research (CentER), University of California at Berkeley, Tilburg University - Center for Economic Research (CentER) and World Bank - Development Research Group (DECRG)
Downloads 22 (565,019)

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Business Practices; Small-scale Enterprises; Peer Knowledge; Efficiency Gains; Social Learning

21.

Determinants and Dynamics of Business Aspirations: Evidence from Small-Scale Entrepreneurs in an Emerging Market

World Bank Policy Research Working Paper No. 8400
Number of pages: 41 Posted: 12 Apr 2018
Tilburg University - Center for Economic Research (CentER), University of California at Berkeley and World Bank - Development Research Group (DECRG)
Downloads 17 (597,622)

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Inequality, Educational Sciences, Gender and Development, Private Sector Economics, Private Sector Development Law, Marketing

22.

Decentralized Delivery of Financial Education: Evidence from a Country-Wide Field Experiment

World Bank Policy Research Working Paper No. 8521
Number of pages: 40 Posted: 28 Aug 2018
Innovations for Poverty (IPA), World Bank - Development Research Group (DECRG) and World Bank
Downloads 13 (624,921)

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Educational Sciences, Financial Sector Policy, Gender and Development, Labor & Employment Law

23.

Learning to Grow from Peers: Experimental Evidence from Small Retailers in Indonesia

World Bank Policy Research Working Paper No. 8933
Number of pages: 72 Posted: 06 Aug 2019
Tilburg University - Center for Economic Research (CentER), University of California, Berkeley, Tilburg University - Center for Economic Research (CentER) and World Bank - Development Research Group (DECRG)
Downloads 7 (667,943)
Citation 1

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Gender and Development, Educational Sciences, Transport Services, Hydrology, Private Sector Economics, Private Sector Development Law, Marketing