Department of Economics
UC Santa Cruz
457 Engineering 2
Santa Cruz, CA 95064
My office hours are on Mondays from 10-12, or by appointment. You can find my CV and research papers below. I am co-director of the CEGA Digital Credit Observatory (DCO) you can learn more about the DCO here.
The Daily Grind: Cash Needs, Labor Supply and Self-Control, with Pascaline Dupas and Santiago Saavedra. Revised September 2019. Revise and resubmit, Journal of Economic Behavior and Organization.
Cashing In (and Out): Experimental Evidence on the Effects of Mobile Money in Malawi, with Valentina Brailovskaya and Shilpa Aggarwal. January 2020. In preparation for AEA Papers and Proceedings.
Saving for Multiple Financial Needs: Evidence from Malawi, with Valentina Brailovskaya and Shilpa Aggarwal. May 2019.
Market Access, Trade Costs, and Technology Adoption: Evidence from Northern Tanzania, with Shilpa Aggarwal, Brian Giera, Dahyeon Jeong and Alan Spearot. Revised April 2019.
Digital Credit: A Snapshot of the Current Landscape and Open Research Questions, with Eilin Francis and Joshua Blumenstock. June 2017.
Rates of Return, Optimization Failures, and Behavioral Biases: Evidence from Kenyan Retail Shops, with Michael Kremer, Jean Lee, and Olga Rostapshova. Revised April 2016.
Works in Progress
The Effect of Cash Transfers and Market Access on Households in Rural Liberia and Malawi, with Shilpa Aggarwal, Jenny Aker, Dahyeon Jeong, Naresh Kumar, David Park, and Alan Spearot.
Estimating the Effects of Digital Credit: Evidence from Airtel Malawi, with Valentina Brailovskaya and Pascaline Dupas.
Technology Diffusion and Appropriate Use: Evidence from Western Kenya, with Esther Duflo, Michael Kremer, and Frank Schilbach.
Failures in the Market for Agricultural Information in Kenya, with Raissa Fabregas, Michael Kremer and Frank Schilbach.
Publications and forthcoming papers
(2019) Decentralization and Efficiency of Subsidy Targeting: Evidence from Chiefs in Rural Malawi, with Pia Basurto and Pascaline Dupas. Forthcoming, Journal of Public Economics.
(2019) The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya, with Pascaline Dupas and Anthony Keats. Economic Journal 129 (617): 273-310.
(2018) Grain Today, Gain Tomorrow: Evidence from a Storage Experiment with ROSCAs in Kenya, with Shilpa Aggarwal and Eilin Francis. Journal of Development Economics 134: 1-15.
(2018) Banking the Unbanked? Evidence from three countries, with Pascaline Dupas, Dean Karlan and Diego Ubfal. American Economic Journal: Applied Economics 10 (2): 257-297.
(2017) Governance and the Effectiveness of Public Health Subsidies: Evidence from Ghana, Kenya and Uganda, with Rebecca Dizon-Ross and Pascaline Dupas. Journal of Public Economics 156: 150-169.
(2016) Challenges in Banking the Rural Poor: Evidence from Kenya's Western Province, with Pascaline Dupas, Sarah Green, and Anthony Keats. NBER Volume African Successes: Modernization and Development, Volume 3, Sebastian Edwards, Simon Johnson, and David N. Weil, editors, University of Chicago Press.
(2016) Success in Entrepreneurship: Doing the Math, with Michael Kremer and Olga Rostapshova. NBER Volume African Successes: Human Capital, Volume 2, Sebastian Edwards, Simon Johnson, and David N. Weil, editors, University of Chicago Press.
(2014) Minding Small Change among Small Firms in Kenya, with Lori Beaman and Jeremy Magruder, Journal of Development Economics 108: 69-86.
(2013) Keeping the Doctor Away: Experimental Evidence on Investment in Preventative Health Products, with Jennifer Meredith, Sarah Walker, and Bruce Wydick, Journal of Development Economics 105: 196-210.
(2013) Experimental Evidence on the Effects of Home Computers on Academic Achievement among Schoolchildren, with Rob Fairlie, American Economic Journal: Applied Economics 5 (3): 211-240.
(2013) Why Don't the Poor Save More? Evidence from Health Savings Experiments, with Pascaline Dupas, American Economic Review 103 (4): 1138-1171.
(2013) Behavioral Biases and Firm Behavior: Evidence from Kenyan Retail Shops, with Michael Kremer, Jean Lee, and Olga Rostapshova, American Economic Review (Papers and Proceedings Issue) 103 (3): 362-368.
(2013) Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya, with Pascaline Dupas, American Economic Journal: Applied Economics 5 (1): 163-192.
(2012) The (Hidden) Costs of Political Instability: Evidence from Kenya's 2007 Election Crisis, with Pascaline Dupas, Journal of Development Economics 99 (2): 314-329.
(2012) Limited Insurance Within the Household: Evidence from a Field Experiment in Kenya, American Economic Journal: Applied Economics 4 (4): 140164.
(2012) Risk-Coping through Sexual Networks: Evidence from Client Transfers in Kenya, with Ethan Yeh, Journal of Human Resources 47 (1): 107-145.
(2011) Nudging Farmers to Use Fertilizer: Theory and Experimental Evidence from Kenya, with Esther Duflo and Michael Kremer, American Economic Review 101 (6): 2350-2390.
(2011) Transactional Sex as a Response to Risk in Western Kenya, with Ethan Yeh, American Economic Journal: Applied Economics 3 (1): 35-64.
(2010) Coping with Political Instability: Micro Evidence from Kenya's 2007 Election Crisis, with Pascaline Dupas, American Economic Review (Papers and Proceedings Issue) 100 (2): 120-124.
(2008) How High are Rates of Return to Fertilizer? Evidence from Field Experiments in Kenya, with Esther Duflo and Michael Kremer, American Economic Review (Papers and Proceedings Issue) 98 (2): 482-488.
(2016) Income, Income Shocks, and Transactional Sex, with Katherine LoPiccalo and Ethan Yeh, Oxford Handbook on the Economics of Prostitution.