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Galapagos 2002
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Published
Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training (April 2014) American Economic Journal: Economic Policy, forthcoming, joint with Robert Fairlie and Jonathan Zinman.

Savings by and for the poor: A research review and agenda (March 2014) Review of Income and Wealth, 60(1), pp. 36-78, joint with Aishwarya Ratan and Jonathan Zinman.

Group versus Individual Liability: Short and Long Term Evidence from Philippine Microcredit Lending Groups (March 2014) Journal of Development Economics, forthcoming, joint with Xavier Gine.
- Microfinance Insights popular press summary

Agricultural Decisions after Relaxing Credit and Risk Constraints (December 2013) Quarterly Journal of Economics, forthcoming, joint with Robert Osei, Isaac Osei-Akoto and Christopher Udry.

(Ineffective) Messages to Encourage Recycling: Evidence from a Randomized Evaluation in Peru (June 2013) World Bank Economic Review, forthcoming, joint with Alberto Chong, Jeremy Shapiro and Jonathan Zinman.

Mixed Method Evaluation of a Passive mHealth Sexual Information Texting Service in Uganda (May 2013) Information Technologies & International Development, 9(3), joint with Julian Jamison and Pia Raffler.

Profitability of Fertilizer: Experimental Evidence from Female Rice Farmers in Mali (May 2013) American Economic Review Papers & Proceedings, forthcoming, joint with Lori Beaman, Bram Thuysbaert, Christopher Udry.

Ambiguous Solicitation: Ambiguous Prescription (December 2012) Economic Inquiry, joint with Robert Gazzale, Julian Jamison and Alexander Karlan.

List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds (May 2012) Journal of Development Economics, joint with Jonathan Zinman.

Small Matches and Charitable Giving: Evidence from a Natural Field Experiment (June 2011) Journal of Public Economics, 95(5-6), pp. 344-350, joint with John A. List and Eldar Shafir.

Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation (June 2011) Science, 332(6035), pp. 1278-1284, joint with Jonathan Zinman.
- Data
- Online supplement

Teaching Entrepreneurship: Impact Of Business Training On Microfinance Clients and Institutions (May 2011) Review of Economics and Statistics, 93(2), pp. 510-527, joint with Martin Valdivia.
- Data
- NYTimes article
- Form to Request Modules from FFH
- Surveys

Crop Price Indemnified Loans for Farmers:A Pilot Experiment in Rural Ghana (March 2011) Journal of Risk and Insurance, forthcoming, joint with Ed Kutsoati, Margaret McMillan, Christopher Udry.
- Data
- Survey instruments

Being surveyed can change later behavior and related parameter estimates (February 2011) Proceedings of the National Academy of Sciences, 108(5), pp. 1821-1826, joint with Alix Zwane, Jonathan Zinman, Eric Van Dusen, William Pariente, Clair Null, Edward Miguel, Michael Kremer, Richard Hornbeck, Xavier Giné, Esther Duflo, Florencia Devoto, Bruno Crepon and Abhijit Banerjee.

Health education for microcredit clients in Peru: a randomized controlled trial (January 2011) BMC Public Health, 11(51), joint with Rita Hamad and Lia Fernald.

Adaptive Experimental Design using the Propensity Score (January 2011) Journal of Business and Economic Statistics, forthcoming, joint with Jinyong Hahn and Keisuke Hirano.
- Stata ado files and documentation

Put Your Money Where Your Butt Is: A Commitment Savings Account for Smoking Cessation (October 2010) American Economic Journal: Applied Economics, 2(4), joint with Xavier Gine and Jonathan Zinman.
- Data
- Economist: Economic Focus
- Newsweek
- Scientific American

Microfinance Games (July 2010) American Economic Journal: Applied Economics, 2(3), joint with Xavier Gine, Pamela Jakiela, Jonathan Morduch.

What Capital is Missing in Developing Countries (May 2010) American Economic Review Papers & Proceedings, forthcoming, joint with Miriam Bruhn, Antoinette Schoar.

Female Empowerment:Impact of a commitment savings product in the Philippines (March 2010) World Development, forthcoming, joint with Nava Ashraf, Wesley Yin.

What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment (February 2010) Quarterly Journal of Economics, 125(1), pp. 263-305, joint with Marianne Bertrand, Sendhil Mullainathan, Eldar Shafir and Jonathan Zinman. Previously titled `What's Psychology Worth? ...'.
- Data
- Web appendix

Expanding Credit Access: Using Randomized Supply Decisions To Estimate the Impacts (January 2010) Review of Financial Studies, joint with Jonathan Zinman. Winner of 2006 USAID Private Sector Development Impact Assessment Initiative.
- Data
- The Economist article

Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment (earlier version) (November 2009) Econometrica, 77(6), pp. 1993-2008, joint with Jonathan Zinman.
- Data
- Final version
- Web appendix

Trust and Social Collateral (August 2009) Quarterly Journal of Economics, forthcoming, joint with Markus Mobius, Tanya Rosenblat and Adam Szeidl.

When Curiosity Kills the Profits: An Experimental Examination (July 2009) Games and Economic Behavior, forthcoming, joint with Julian Jamison.

Does the Media Matter? A Field Experiment Measuring the Effect of Newspapers on Voting Behavior and Political Opinions (April 2009) American Economic Journal: Applied Economics, forthcoming, joint with Alan Gerber, Daniel Bergan.
- Baseline Survey
- Followup Survey
- Appendices: Newspaper Coverage Tables

Get-Out-the-Vote Phone Calls: Does Quality Matter? (March 2009) American Politics Research, forthcoming, joint with Shang Ha.

Participation in a School Incentive Program in India (March 2009) Journal of Development Studies, 45(3), pp. 369-390, joint with Sharon Barnhardt and Stuti Khemani.

Finding Missing Markets (and a disturbing epilogue): Evidence from an Export Crop Adoption and Marketing Intervention in Kenya (January 2009) American Journal of Agricultural Economics, forthcoming, joint with Nava Ashraf and Xavier Gine.

Small individual loans and mental health: a randomized controlled trial among South African adults (December 2008) BMC Public Health, 8(409), joint with Lia C.H. Fernald, Rita Hamad, Emily J. Ozer and Jonathan Zinman.

To Deceive or Not To Deceive: The Effect of Deception on Behavior in Future Laboratory Experiments (December 2008) Journal of Economic Behavior and Organization, 68(3-4), pp. 477-488, joint with Julian Jamison, Laura Schechter.

Credit Elasticities in Less-Developed Economies: Implications for Microfinance (June 2008) American Economic Review, 98(3), pp. 1040-1068, joint with Jonathan Zinman.
- Appendix

Social and Economic Correlates of Depressive Symptoms and Perceived Stress in South African Adults (June 2008) Journal of Epidemiology and Community Health, 62, pp. 522-531, joint with Rita Hamad, Lia Fernald, and Jonathan Zinman.

Does Price Matter in Charitable Giving? Evidence from a Large-Scale Natural Field Experiment (April 2008) American Economic Review, 97(5), pp. 1774-1793, joint with John List.
- Data
- NYTimes article
- Chronicle of Philanthropy article
- NY Times Magazine article

Lying about Borrowing (April 2008) Journal of the European Economic Association Papers and Proceedings, forthcoming, joint with Jonathan Zinman.

Community Size and Network Structure (May 2007) American Economic Review Papers and Proceedings, 97(2), pp. 80-85, joint with Hunt Allcott, Markus Mobius, Tanya Rosenblat, and Adam Szeidl.

Social Connections and Group Banking (February 2007) Economic Journal, 117, pp. F52-F84.
- Survey Forms

Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines (May 2006) Quarterly Journal of Economics, 121(2), pp. 635-672, joint with Nava Ashraf and Wesley Yin. Winner of TIAA-CREF 2006 Paul A. Samuelson Award Certificate of Excellence.

Deposit Collectors (March 2006) Advances in Economic Analysis & Policy, 6(2 Article 5), joint with Nava Ashraf and Wesley Yin.

Using Experimental Economics to Measure Social Capital and Predict Financial Decisions (December 2005) American Economic Review, 95(5), pp. 1688-1699.
- Data

Do modern forms of human capital matter in primitive economies? Comparative evidence from Bolivia (February 2005) Economics of Education Review, joint with Ricardo Godoy, Shanti Rabindran and Tomas Huanca.


Working Papers
The effect of effectiveness: Donor response to aid effectiveness in a direct mail fundraising experiment (April 2014), joint with Dan Wood.

Consulting and Capital Experiments with Micro and Small Tailoring Enterprises in Ghana (February 2014), joint with Ryan Knight and Christopher Udry.

Loose Knots: Strong versus Weak Commitments to Save for Education in Uganda (January 2014), joint with Leigh L. Linden.

Price and Control Elasticities of Demand for Savings (January 2014), joint with Jonathan Zinman.

Continued Existence of Cows Disproves Central Tenets of Capitalism? (December 2013), joint with Santosh Anagol and Alvin Etang.

Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco (December 2013), joint with Manuela Angelucci and Jonathan Zinman.

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock (November 2013), joint with Adam Osman and Jonathan Zinman.

Candy or Fruit? Measuring the Impact of Michelle Obama on Health Eating Choices (November 2013), joint with Jane Bang, Zachary Groff, Sakshi Kumar, Kelsey Larson and Adèle Rossouw.
- LA Times

Candy Elasticity: Halloween Experiments on Public Political Statements (November 2013), joint with Julian Jamison.

Targeting ultra-poor households in Honduras and Peru (November 2013), joint with Bram Thuysbaert.

Effectiveness and Spillovers of Online Sex Education: Evidence from a Randomized Evaluation in Colombian Public Schools (October 2013), joint with Alberto Chong, Marco Gonzalez-Navarro and Martin Valdivia.

A personal touch: Text messaging for loan repayment (August 2013), joint with Melanie Morten and Jonathan Zinman.

Looking Beyond the Incumbent: The Effects of Exposing Corruption on Electoral Outcomes (June 2013), joint with Alberto Chong, Ana De La O, and Leonard Wantchekon.

Hey Look at Me: The Effect of Giving Circles on Giving (May 2013), joint with Margaret A. McConnell.

How Can Bill and Melinda Gates Increase Other People’s Donations to Fund Public Goods? (May 2013), joint with John A. List.

Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico (May 2013), joint with Jonathan Zinman.
- Executive Summary

Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco (May 2013), joint with Manuela Angelucci, Jonathan Zinman.
- Executive Summary

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment (April 2013), joint with Gharad Bryan and Jonathan Zinman.

The Impact of Consulting Services on Small and Medium Enterprises: Evidence from a Randomized Trial in Mexico (March 2013), joint with Miriam Bruhn and Antoinette Schoar.

Candy We Still Believe In: Using Halloween to Measure Change in Extensive and Intensive Support for Barack Obama (November 2012), joint with Jane Bang, Zachary Groff, Sakshi Kumar, Kelsey Larson and Adèle Rossouw.

Hoping to Win, Expected to Lose: Theory and Lessons on Micro Enterprise Development (August 2012), joint with Ryan Knight and Christopher Udry.

Bank-Insured RoSCA for Microfinance: Experimental Evidence in Poor Egyptian Villages (July 2012), joint with Mahmoud ElGamal, Mohamed ElKomi, and Adam Osman.

Getting to the Top of Mind: How Reminders Increase Saving (March 2012), joint with Margaret McConnell, Sendhil Mullainathan and Jonathan Zinman.

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila (January 2010), joint with Jonathan Zinman.
- The Economist

Candy We Can Believe In: A Halloween Experiment on Trust and Political Symbolism (November 2008), joint with Treb Allen, Gharad Bryan, Snaebjorn Gunnsteinsson, Julian Jamison, Melanie Morten, Scott Nelson, and Bram Thuysbaert.
- Slate article

There's Something about Ambiguity (Halloween paper) (February 2008), joint with Santosh Anagol, Sheree Bennett, Gharad Bryan, Tiffany Davenport,Nancy Hite, Paul Lagunes and Margaret McConnell.
- Boston Globe article

Peer Monitoring and Enforcement: Long Term Evidence from Microcredit Lending Groups with and without Group Liability (January 2008), joint with Xavier Gine.
- Earlier version after 1 year (rather than 3) of results
- Bloomberg news article


Review Papers
Commitment Devices (April 2010), joint with Gharad Bryan and Scott Nelson.

Access to Finance (June 2009) Handbook of Development Economics, 5, joint with Jonathan Morduch.


Policy Papers
Innovation, Inclusion and Trust: The Role of Nonprofits in Microfinance (January 2014).

Every Which Way We Can (December 2012) Finance and Development, 49(4).

Microfinance Evaluation Strategies:Notes on Methodology and Findings (June 2011) The Handbook of Microfinance, joint with Nathanael Goldberg. edited by Beatriz Armendariz and Marc Labie.

Crossfire: Randomized control trials are the best way to measure impact of microfinance programmes and improve microfinance product designs (September 2009) Enterprise Development and Microfinance, 20(3), pp. 167-176, joint with Nathanael Goldberg.

Cross Sectional Impact Analysis: Bias from Dropouts (August 2009) Perspectives on Global Development and Technology, microfinance special issue, forthcoming, joint with Gwendolyn Alexander-Tedeschi.

Cairo Evaluation Clinic: Thoughts on Randomized Trials For Evaluation of Development (June 2009) Journal of Development Effectiveness, forthcoming.

Is Microfinance Too Rigid? (December 2007) VoxEU, joint with Sendhil Mullainathan.

The Impact of Microfinance: A Review of Methodological Issues (November 2007) World Bank Doing Impact Evaluation Series, 7, joint with Nathanael Goldberg.

Microentrepreneurs and Their Money: Three Anomalies (March 2007), joint with Bindu Ananth and Sendhil Mullainathan.

Optimizing Loan Contracting and Marketing Stategies Using Field Experimentation (November 2006) prepared for the 2006 Microcredit Summit, joint with Jonathan Zinman.

Evaluating Microfinance Program Innovation with Randomized Controlled Trials: Examples from Business Training and Group versus Individual Liability (July 2006), joint with Tomoko Harigaya and Sara Nadel.

Evaluating Microfinance Program Innovation with Randomized Control Trials: An Example from Group versus Individual Lending (March 2006) Asian Development Bank Economics and Research Department Technical Note Series, 16, joint with Joint with Xavier Gine, Tomoko Harigaya and Binh Nguyen.

Testing Savings Product Innovations Using an Experimental Methodology (November 2003) Asian Development Bank Technical Note Series, 8, joint with Nava Ashraf and Wesley Yin.

A Review of Commitment Savings Products in Developing Countries (July 2003) Asian Development Bank Economics and Research Development Working Paper, 45, joint with Nava Ashraf, Nathalie Gons and Wesley Yin.

Microfinance Impact Assessments: The Perils of Using New Members as a Control Group (December 2001) Journal of Microfinance.


Book Chapters
Measuring Personality Traits and Predicting Loan Default with Experiments and Surveys (with Sendhil Mullainathan and Omar Robles), in , (February 2011).

Rigidity in Microfinancing: Can One Size Fit All? (with Sendhil Mullainathan), in Q-Finance, (January 2009), Bloomsbury Press.

Randomized Trials for Strategic Innovation in Retail Finance (with Nathanael Goldberg and Jonathan Zinman), in , (January 2008).

Some Simple Analytics of Slave Redemptions (with Alan Krueger), in Buying Freedom: The Ethics and Economics of Slave Redemption, (January 2007), edited by K. Anthony Appiah and Martin Bunzl, Princeton University Press.

SEED: A Commitment Savings Product in the Philippines (with Nava Ashraf and Wesley Yin), in Trickle Up 25th Anniversary Symposium, iUniverse Press, (December 2006).


Op - Eds
Freakonomics (ongoing posts) (January 2222).

Your Own Private Fiscal Cliff (January 2013) Wall Street Journal.

Development Controversy a Sign of Sophistication (August 2012) Stanford Social Investment Review, joint with Caroline Fiennes.

Do matching grants really work? (July 2011) Alliance Magazine, joint with Kareem Haggag.

You Can't Always Get What You Want (May 2011) Foreign Policy, joint with Jacob Appel.

Microfinance Works, Even Without a Hollywood Ending (May 2011) The Christian Science Monitor, joint with Jacob Appel.

Microcredit Is Not the Enemy (December 2010) Financial Times, joint with Abhijit Banerjee, Pranab Bardhan, Esther Duflo, Erica Field, Asim Khwaja, Dilip Mookherjee, Rohini Pande and Raghuram Rajan.

Help Microfinance, Don't Kill It (November 2010) The Indian Express, joint with Abhijit Banerjee, Pranab Bardhan, Esther Duflo, Erica Field, Asim Khwaja, Dilip Mookherjee, Rohini Pande, Raghuram Rajan.

Evaluate. (Response to Toyama's article "Can Technology End Poverty?") (November 2010) Boston Review.

Survival of the Deviant (September 2010) Stanford Social Investment Review, Fall.

Helping the Poor Save More (January 2010) Stanford Social Investment Review.

Does ad content affect consumer demand? (September 2009) Alliance magazine, joint with Manfred Kuhn and Jonathan Zinman.

Strength in Numbers (September 2009) Microfinance Insights, 14.

How government can guide small borrowers (April 2009) Financial Times, joint with Jonathan Zinman.

The value of inconvenience (March 2009) Alliance Magazine, joint with Chona Echavez.

How to make a decision and then stick to it (October 2008) Financial Times.

Microlending needs bigger ideas (May 2008) Marketplace on National Public Radio.

In Defense of Usury (October 2007) Wall Street Journal, joint with Jonathan Zinman.


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