
Dean Karlan is the Frederic Esser Nemmers Distinguished Professor of Economics and Finance at Northwestern University's Kellogg School of Management. His research uses randomized controlled trials across more than twenty countries to study microeconomic issues of poverty, spanning credit markets, agricultural development, entrepreneurship, health, and behavioral economics.
Ph.D. Economics, MIT
M.B.A. and M.P.P., University of Chicago
B.A. International Affairs, University of Virginia
| Title ▲ | Date ▲ | Publication ▲ | Co-authors | Links |
|---|---|---|---|---|
| Do Modern Forms of Human Capital Matter in Primitive Economies? Comparative Evidence from Bolivia1111 | Feb 2005 | Economics of Education Review, 24(1), pp. 45-5311 | Ricardo Godoy, Shanti Rabindran, Tomas Huanca1111 | |
| Using Experimental Economics to Measure Social Capital and Predict Financial Decisions | Dec 2005 | American Economic Review, 95(5), pp. 1688-1699 | ||
| Some Simple Analytics of Slave Redemption | Jan 2006 | Book chapter in Buying Freedom: The Ethics and Economics of Slave Redemption, edited by Kwame Anthony Appiah and Martin Bunzl, Princeton, NJ, Princeton University Press | Alan B. Krueger | |
| 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 | Nava Ashraf, Wesley Yin | |
| Deposit Collectors | May 2006 | Advances in Economic Analysis & Policy, 6(2) Article 5, pp. 1-22 | Nava Ashraf, Wesley Yin | |
| Social Connections and Group Banking | Feb 2007 | Economic Journal, 117, pp. F52-F84 | ||
| Community Size and Network Closure | May 2007 | American Economic Review Papers & Proceedings 97(2), pp. 80-85 | Hunt Alcott, Markus Mobius, Tanya Rosenblat, Adam Szeidl | |
| Does Price Matter in Charitable Giving? Evidence from a Large-Scale Natural Field Experiment | Dec 2007 | American Economic Review, 97(5), pp. 1774-1793 | John A. List | |
| Peer Monitoring and Enforcement: Long Term Evidence from Microcredit Lending Groups With and Without Group Liability | Jan 2008 | Subsumed by JDE paper titled "Group versus Individual Liability: Short and Long Term Evidence from Philippine Microcredit Lending Groups" | Xavier Giné | |
| Lying About Borrowing | May 2008 | Journal of the European Economic Association Papers and Proceedings, 6(2-3), pp. 510-521 | Jonathan Zinman | |
| Credit Elasticities in Less-Developed Economies: Implications for Microfinance | Jun 2008 | American Economic Review, 98(3), pp. 1040-1068 | Jonathan Zinman | |
| Social and Economic Correlates of Depressive Symptoms and Perceived Stress in South African Adults | Jun 2008 | Journal of Epidemiology and Community Health, 62, pp. 538-544 | Rita Hamad, Lia Fernald, Jonathan Zinman | |
| Candy We Can Believe In: A Halloween Experiment on Trust and Political Symbolism (Halloween 2008) | Oct 2008 | working paper | Treb Allen, Gharad Bryan, Snaebjorn Gunnsteinsson, Julian Jamison, Melanie Morten, Scott Nelson, Bram Thuysbaert | |
| To Deceive or Not To Deceive: The Effect of Deception on Behavior in Future Laboratory Experiments | Dec 2008 | Journal of Economic Behavior and Organization, 68(2-3), pp. 477-488 | Julian Jamison, Laura Schechter | |
| Small Individual Loans and Mental Health: A Randomized Controlled Trial Among South African Adults | Dec 2008 | BMC Public Health 8, Article Number: 409 (2008) | Lia C.H. Fernald, Rita Hamad, Emily J. Ozer, Jonathan Zinman | |
| Get-Out-the-Vote Phone Calls: Does Quality Matter? | Mar 2009 | American Politics Research, 37(4), pp. 353-369 | Shang Ha | |
| Participation in a School Incentive Programme in India | Mar 2009 | Journal of Development Studies, 45(3), pp. 369-390 | Sharon Barnhardt, Stuti Khemani | |
| Does the Media Matter? A Field Experiment Measuring the Effect of Newspapers on Voting Behavior and Political Opinions | Apr 2009 | American Economic Journal: Applied Economics, 1(2), pp. 35-52 | Alan Gerber, Daniel Bergan | |
| When Curiosity Kills the Profits: An Experimental Examination | Jul 2009 | Games and Economic Behavior, 66(2), pp. 830-840 | Julian Jamison | |
| Trust and Social Collateral | Aug 2009 | Quarterly Journal of Economics, 124(3), pp. 1307-1361 | Markus Mobius, Tanya Rosenblat, Adam Szeidl | |
| Observing Unobservables: Identifying Information Asymmetries with a Consumer Credit Field Experiment | Nov 2009 | Econometrica, 77(6), pp. 1993-2008 | Jonathan Zinman | |
| Finding Missing Markets (and a disturbing epilogue): Evidence from an Export Crop Adoption and Marketing Intervention in Kenya | Nov 2009 | American Journal of Agricultural Economics, 91(4), pp. 973-990 | Nava Ashraf, Xavier Giné | |
| Expanding Credit Access: Using Randomized Supply Decisions To Estimate the Impacts | Nov 2009 | Review of Financial Studies, 23(1), pp. 433-464 | Jonathan Zinman | |
| Microfinance Impact: Bias from Dropouts | Jan 2010 | Perspectives on Global Development and Technology 9(3), pp. 270-291 | Gwendolyn Alexander-Tedeschi | |
| Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila | Jan 2010 | Subsumed by Science paper titled "Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation" | Jonathan Zinman | |
| What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment | Feb 2010 | Quarterly Journal of Economics, 125(1), pp. 263-305 | Marianne Bertrand, Sendhil Mullainathan, Eldar Shafir, Jonathan Zinman | |
| Female Empowerment: Impact of a Commitment Savings Product in the Philippines | Mar 2010 | World Development, 38(3), pp. 333-344 | Nava Ashraf, Wesley Yin | |
| Commitment Devices | Apr 2010 | Annual Review of Economics, 2, pp. 671-698 | Gharad Bryan, Scott Nelson | |
| What Capital is Missing in Developing Countries? | May 2010 | American Economic Review Papers & Proceedings, 100(2), pp. 629-633 | Miriam Bruhn, Antoinette Schoar | |
| Microfinance Games | Jul 2010 | American Economic Journal: Applied Economics, 2(3), pp. 60-95 | Xavier Giné, Pamela Jakiela, Jonathan Morduch | |
| Put Your Money Where Your Butt Is: A Commitment Contract for Smoking Cessation | Oct 2010 | American Economic Journal: Applied Economics, 2(4), pp. 213-235 | Xavier Giné, Jonathan Zinman | |
| Health Education for Microcredit Clients in Peru: a Randomized Controlled Trial | Jan 2011 | BMC Public Health, 11(51) | Rita Hamad, Lia Fernald | |
| Crop Price Indemnified Loans for Farmers: A Pilot Experiment in Rural Ghana | Jan 2011 | Journal of Risk and Insurance, 78(1), pp. 37-55 | Ed Kutsoati, Margaret McMillan, Christopher Udry | |
| Being Surveyed Can Change Later Behavior and Related Parameter Estimates | Feb 2011 | Proceedings of the National Academy of Sciences, 108(5), pp. 1821-1826 | Alix Zwane, Jonathan Zinman, Eric Van Dusen, William Pariente, Clair Null, Edward Miguel, Michael Kremer, Richard Hornbeck, Xavier Gine, Esther Duflo, Florencia Devoto, Bruno Crepon, Abhijit Banerjee | |
| Teaching Entrepreneurship: Impact Of Business Training On Microfinance Clients and Institutions | May 2011 | Review of Economics and Statistics, 93(2), pp. 510-527 | Martin Valdivia | |
| Small Matches and Charitable Giving: Evidence from a Natural Field Experiment | Jun 2011 | Journal of Public Economics, 95(5-6), pp. 344-350 | John A. List, Eldar Shafir | |
| Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation (previously titled "Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila") | Jun 2011 | Science, 322(6035), pp. 1278-1284 | Jonathan Zinman | |
| There's Something about Ambiguity (Halloween 2007 & 2008) | Sep 2011 | working paper | Santosh Anagol, Sheree Bennett, Gharad Bryan, Tiffany Davenport, Nancy Hite, Paul Lagunes, Margaret McConnell | |
| Adaptive Experimental Design Using the Propensity Score | Jan 2012 | Journal of Business and Economic Statistics, 29(1), pp. 96-108 | Jinyong Hahn, Keisuke Hirano | |
| List Randomization for Sensitive Behavior: An Application for Measuring Use of Loan Proceeds | May 2012 | Journal of Development Economics, 98(1), pp. 71-75 | Jonathan Zinman | |
| Hoping to Win, Expected to Lose: Theory and Lessons on Micro Enterprise Development | Sep 2012 | Subsumed by JEBO paper "Consulting and Capital Experiments with Microenterprise Tailors in Ghana" | Ryan Knight, Christopher Udry | |
| Candy We Still Believe In: Using Halloween to Measure Change in Extensive and Intensive Support for Barack Obama (Halloween 2012) | Nov 2012 | working paper | Jane Bang, Zachary Groff, Sakshi Kumar, Kelsey Larson, Adele Rossouw | |
| Ambiguous Solicitation: Ambiguous Prescription | Jan 2013 | Economic Inquiry, 51(1), pp. 1002-1011 | Robert Gazzale, Julian Jamison, Alexander Karlan, Jonathan Zinman | |
| Measuring Personality Traits and Predicting Loan Default with Experiments and Surveys | Jan 2013 | Book chapter in Banking the World: Empirical Foundations of Financial Inclusion, edited by Robert Cull, Asli Demirgüç-Kunt and Jonathan Morduch, Cambridge, MA, MIT Press, pp. 393–414 | Sendhil Mullainathan, Omar Robles | |
| Social Networks, Financial Literacy and Index Insurance | Jan 2013 | World Bank working paper | Xavier Giné, Muthoni Ngatia | |
| Profitability of Fertilizer: Experimental Evidence from Female Rice Farmers in Mali | May 2013 | American Economic Review Papers & Proceedings, 103(3), pp. 381-386 | Lori Beaman, Bram Thuysbaert, Christopher Udry | |
| Mixed Method Evaluation of a Passive mHealth Sexual Information Texting Service in Uganda | May 2013 | Information Technologies & International Development, 9(3), pp. 1-28 | Julian Jamison, Pia Raffler | |
| Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco | May 2013 | Subsumed by AEJ-AE paper titled "Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco" | Manuela Angelucci, Jonathan Zinman | |
| (Ineffective) Messages to Encourage Recycling: Evidence from a Randomized Evaluation in Peru | Aug 2013 | World Bank Economic Review, 29(1), pp. 180-206 | Alberto Chong, Jeremy Shapiro, Jonathan Zinman | |
| Savings by and for the Poor: A Research Review and Agenda | Feb 2014 | Review of Income and Wealth, 60(1), pp. 36-78J | Aishwarya Ratan, Jonathan Zinman | |
| Agricultural Decisions after Relaxing Credit and Risk Constraints | Feb 2014 | The Quarterly Journal of Economics, 129(2), pp. 597-652 | Robert Osei, Isaac Osei-Akoto, Christopher Udry | |
| Group versus Individual Liability: Short and Long Term Evidence from Philippine Microcredit Lending Groups | Mar 2014 | Journal of Development Economics, 107(C), pp. 65-83 | Xavier Giné | |
| Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs | May 2014 | subsumed by REStat paper "Five-year impacts of group-based financial education and savings promotion" | Julian Jamison, Jonathan Zinman | |
| Bank-insured RoSCA for Microfinance: Experimental Evidence in Poor Egyptian Villages | Jul 2014 | Journal of Economic Behavior & Organization, 103 supplement, pp. S56-S73 | Mahmoud ElGamal, Mohamed ElKomi, Adam Osman | |
| Candy Under Constraints (Halloween 2013) | Aug 2014 | working paper | Jodi Beggs, Michael Sanders | |
| Hey Look at Me: The Effect of Giving Circles on Giving | Oct 2014 | Journal of Economic Behavior & Organization, 106, pp. 402-412 | Margaret A. McConnell | |
| Saving for a (not so) Rainy Day: A Randomized Evaluation of Savings Groups in Mali | Oct 2014 | working paper | Lori Beaman, Bram Thuysbaert | |
| Does Corruption Information Inspire the Fight or Quash the Hope? A Field Experiment in Mexico on Voter Turnout, Choice, and Party Identification | Dec 2014 | Journal of Politics, 77(1), pp. 55-71 | Alberto Chong, Ana L. De La O, Leonard Wantchekon | |
| Six Randomized Evaluations of Microcredit: Introduction and Further Steps | Jan 2015 | American Economic Journal: Applied Economics, 7(1), pp. 1-21 | Abhijit Banerjee, Jonathan Zinman | |
| Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco | Jan 2015 | American Economic Journal: Applied Economics, 7(1), pp. 151-182 | Manuela Angelucci, Jonathan Zinman | |
| Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training | May 2015 | American Economic Journal: Economic Policy, 7(2), pp. 125-161 | Robert Fairlie, Jonathan Zinman | |
| The Catch-22 of External Validity in the Context of Constraints to Firm Growth | May 2015 | American Economic Review Papers & Proceedings, 105(5), pp. 295-299 | Greg Fischer | |
| A Multi-faceted Program Causes Lasting Progress for the Very Poor: Evidence from Six Countries | May 2015 | Science, 348(6236), pp. 1260799-1 - 1260799-16 | Abhijit Banerjee, Esther Duflo, Nathanael Goldberg, Robert Osei, William Pariente, Jeremy Shapiro, Bram Thuysbaert, Christopher Udry | |
| Promoting an Open Research Culture: Author Guidelines for Journals Could Help to Promote Transparency, Openness, and Reproducibility | Jun 2015 | Science, 348(6242), pp. 1422-1425 | B. A. Nosek, et al. | |
| Measuring Trust in Peruvian Shantytowns | Jul 2015 | working paper | Markus Mobius, Tanya Rosenblat, Adam Szeidl | |
| Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment | Aug 2015 | American Economic Journal: Microeconomics, 7(3), pp. 174-204 | Gharad Bryan, Jonathan Zinman | |
| Consulting and Capital Experiments with Microenterprise Tailors in Ghana (previously titled "Hoping to Win, Expected to Lose: Theory and Lessons on Micro Enterprise Development") | Oct 2015 | Journal of Economic Behavior and Organization, 118, pp. 281–302 | Ryan Knight, Christopher Udry | |
| a personal touch in text messaging can improve microloan repayment | Jan 2016 | Behavioral Science and Policy, 1(2), pp. 31-39 | Melanie Morten, Jonathan Zinman | |
| Candy Elasticity: Halloween Experiments on Public Political Statements (Halloween 2008 & 2012) | Jan 2016 | Economic Inquiry, 54(1), pp. 543-547 | Julian Jamison | |
| Follow the Money not the Cash: Comparing Methods for Identifying Consumption and Investment Responses to a Liquidity Shock | Jul 2016 | Journal of Development Economics, 121, pp.11-23 | Adam Osman, Jonathan Zinman | |
| Targeting Ultra-Poor Households in Honduras and Peru | Aug 2016 | World Bank Economic Review, 33(1), pp. 63-94 | Bram Thuysbaert | |
| Getting to the Top of Mind: How Reminders Increase Saving | Dec 2016 | Management Science, 62(12), pp. 3393-3411 | Margaret McConnell, Sendhil Mullainathan, Jonathan Zinman | |
| Designing Social Protection Programs: Using Theory and Experimentation to Understand how to Help Combat Poverty | Jan 2017 | Handbook of Field Experiments, Volume 2 Chapter 7 pp. 515-553 | Rema Hanna | |
| The Effect of Effectiveness: Donor Response to Aid Effectiveness in a Direct Mail Fundraising Experiment | Feb 2017 | Journal of Behavioral and Experimental Economics, 66, pp. 1-8 | Dan Wood | |
| Credit with Health Education in Benin: a Cluster Randomized Trial Examining Impacts on Knowledge and Behavior | Feb 2017 | American Journal of Tropical Health and Hygiene, 96(2), pp. 501-510 | Bram Thuysbaert, Bobbi Gray | |
| Impact of Savings Groups on the Lives of the Poor | Mar 2017 | Proceedings of the National Academy of Sciences (PNAS), 114(12), pp. 3079-3084 | Beniamino Savonitto, Bram Thuysbaert, Christopher Udry | |
| Overcoming Behavioral Obstacles to Escaping Poverty | May 2017 | Behavioral Science & Policy, 3(1), pp. 81-91 | Christopher J. Bryan, Nina Mazar, Julian Jamison, Jeanine Braithwaite, Nadine Dechausay, Alissa Fishbane, Elizabeth Fox, Varun Gauri, Rachel Glennerster, Johannes Haushofer, Renos Vakis | |
| Survivor: Three Principles of Economics Taught by a Reality Television Show | May 2017 | Journal of Economic Education, 48(3), pp. 224-228 | ||
| Challenges to Replication and Iteration in Field Experiments: Evidence from Two Direct Mail Shots | May 2017 | American Economic Review: Papers & Proceedings, 107(5), pp. 462-465 | Jake Bowers, Nathaniel Higgins, Sarah Tulman, Jonathan Zinman | |
| Continued Existence of Cows Disproves Central Tenets of Capitalism? | Jul 2017 | Economic Development and Cultural Change, University of Chicago Press, 65(4), pp. 583-618 | Santosh Anagol, Alvin Etang | |
| Price and Control Elasticities of Demand for Savings | Jan 2018 | Journal of Development Economics, 130(C), pp.145-159 | Jonthan Zinman | |
| The Effect of Images of Michelle Obama’s Face on Trick-or-Treaters’ Dietary Choices: A Randomized Control Trial (Halloween 2012, 2014 & 2015) | Jan 2018 | PLOS ONE, 13(1): e0189693 | Peter M. Aronow, Lauren E. Pinson | |
| The Impact of Financial Education for Youth in Ghana | Feb 2018 | World Development 102, pp. 71-89 | James Berry, Menno Pradhan | |
| Intuitive Donating: Testing One-Line Solicitations for $1 Donations in a Large Online Experiment | Feb 2018 | Book chapter in The Economics of Philanthropy, edited by Tonin Mirco and Kimberly Scharf, Cambridge, MA, MIT Press | Samantha Horn | |
| The Impact of Consulting Services on Small and Medium Enterprises: Evidence from a Randomized Trial in Mexico | Mar 2018 | Journal of Political Economy, 126(2), pp. 635-687 | Miriam Bruhn, Antoinette Schoar | |
| Banking the Unbanked? Evidence from Three Countries | Apr 2018 | American Economic Journal - Applied Economics, 10(2), pp. 257-297 | Pascaline Dupas, Jonathan Robinson, Diego Ubfal | |
| Unshrouding: Evidence from Bank Overdrafts in Turkey | Apr 2018 | Journal of Finance, 73(2), pp. 481-522 | Sule Alan, Mehmet Cemalcilar, Jonathan Zinman | |
| Debt Traps? Market Vendors and Moneylender Debt in India and the Philippines | Jun 2018 | American Economic Review: Insights 1(1), pp. 27-42 | Sendhil Mullainathan, Benjamin N. Roth | |
| Short-term Subsidies and Seller Type: A Health Products Experiment in Uganda | Aug 2018 | Journal of Development Economics, 137, pp.110-124 | Greg Fischer, Maggie McConnell, Pia Raffler | |
| Unconditional cash transfers for clinical and economic outcomes among HIV-affected Ugandan households | Sep 2018 | AIDS, 32(14), pp. 2023-2031 | Edward J. Mills, Achyuta Adhvaryu, Pamela Jakiela, Josephine Birungi, Stephen Okoboi, Teddy Nabwire W. Chimulwa, Jonathan Wanganisi, Tina Achilla, Evan Popoff, Shirin Golchi | |
| Long-Run Price Elasticities of Demand for Credit: Evidence from a Countrywide Field Experiment in Mexico | Jul 2019 | Review of Economic Studies, 86(4), pp. 1704–1746 | Jonathan Zinman | |
| Good Identification, Meet Good Data | Dec 2019 | World Development, 127, 104796, pp. 1-3 | Andrew Dillon, Christopher Udry, Jonathan Zinman | |
| Blue Porches: Finding the Limits of External Validity of the Endowment Effect | Apr 2020 | Journal of Economic Behavior & Organization, 176, pp. 269-271 | Gharad Bryan, Matthew Grant, Kareem Haggag, Dean Karlan, Meredith Startz and Christopher Udry | |
| Increasing Financial Inclusion in the Muslim World: Evidence from an Islamic Finance Marketing Experiment | May 2020 | World Bank Economic Review, pp. 1-22 | Adam Osman, Nour Shammout | |
| Do Information Technologies Improve Teenagers’ Sexual Education? Evidence from a Randomized Evaluation in Colombia (previously titled "Effectiveness and Spillovers of Online Sex Education: Evidence from a Randomized Evaluation in Colombian Public Schools") | Jun 2020 | The World Bank Economic Review, Vol 34(2), pp. 371-392 | Alberto Chong, Marco Gonzalez-Navarro, Martin Valdivia | |
| Randomizing Religion: The Impact of Protestant Evangelism on Economic Outcomes | Jun 2020 | Quarterly Journal of Economics, Vol 136, Issue 1, pp. 293-380 | Gharad Bryan, James J. Choi | |
| How Can Bill and Melinda Gates Increase Other People's Donations to Fund Public Goods | Nov 2020 | Journal of Public Economics, Vol 191 (104296) | John A. List | |
| Consumer protection for financial inclusion in low and middle income countries: Bridging regulator and academic perspectives | Dec 2020 | Annual Review of Financial Economics, Vol 13, pp. 219-246 | Seth Garz, Xavier Giné, Rafe Mazer, Caitlin Sanford, and Jonathan Zinman | |
| Falling living standards during the COVID-19 crisis: Quantitative evidence from nine developing countries | Feb 2021 | Science Advances, 7: eabe0997 | Egger et al. | |
| Social Protection Amidst Social Upheaval: Examining the Impact of a Multi-Faceted Program for Ultra-Poor Households in Yemen | Mar 2021 | Journal of Development Economics, Vol 155, (102780) | Lasse Brune, Sikandra Kurdi, Christopher Udry | |
| Evaluation of a Combined Financial Incentives and Deposit Contract Intervention for Smoking Cessation: A Randomized Controlled Trial | Mar 2021 | Journal of Smoking Cessation, vol 2021, Article ID (6612505) | Daren Anderson, Samantha Horn, Amanda Kowalski, Jody Sindelar and Jonathan Zinman | |
| A Mega-Study of Text-Based Nudges Encouraging Patients to Get Vaccinated at an Upcoming Doctor’s Appointment | May 2021 | Proceedings of the National Academy of Sciences (PNAS), 114(12), pp. 3079-3084 | Milkman et al. | |
| A Call for Structured Ethics Appendices in Social Science Papers | Jun 2021 | Proceedings of the National Academy of Sciences (PNAS) | Edward Asiedu, Monica Lambon-Quayefio, Christopher Udry | |
| COVID-19 Vaccine Acceptance and Hesitancy in Low and Middle Income Countries, and Implications for Messaging | Jun 2021 | Nature Medicine, 27, pp. 1385-1394 | Solís et al. | |
| Does Poverty Change Labor Supply? Evidence from Multiple Income Effects and 115,579 Bags | Nov 2025 | working paper | Abhijit Banerjee, Hannah Trachtman, Christopher Udry | |
| Dangers of a Double-Bottom Line: A Poverty Targeting Experiment Misses Both Targets | Oct 2021 | Journal of Economics & Management Strategy (Wiley) Special Issue, pp.510-522 | Adam Osman, Jonathan Zinman | |
| A Randomized Trial of Behavioral Nudges Delivered Through Text Messages to Increase Influenza Vaccination Among Patients With an Upcoming Primary Care Visit | Oct 2021 | American Journal of Health Promotion, Vol. 37, Issue 3, pp. 324-332 | Patel et al. | |
| Unpacking a Multi-Faceted Program to Build Sustainable Income for the Very Poor | Dec 2021 | Journal of Development Economics, Vol 155, (102781) | Abhijit Banerjee, Robert Osei, Hannah Trachtman, Christopher Udry | |
| Randomization for Causality, Ethnography for Mechanisms: Illiquid Savings for Liquor in an Autarkic Society | Dec 2021 | working paper | Ricardo Godoy and Jonathan Zinman | |
| A 680,000-Person Megastudy of Nudges to Encourage Vaccination in Pharmacies | Dec 2021 | Proceedings of the National Academy of Sciences (PNAS), Vol 119, No.6 e2115126119 | Milkman et al. | |
| Megastudies Improve the Impact of Applied Behavioral Science | Dec 2021 | Nature, Vol. 600, p478–483 | Milkman et al. | |
| Cooperation in the commons: Evaluating investment in community-based rangeland management in Namibia | Feb 2022 | Nature - Communications Earth & Environment 3 (32) | D. Layne Coppock, Lucas Crowley, Susan L. Durham, Dylan Groves, Julian C. Jamison, Brien E. Norton, R. Douglas Ramsey | |
| Machine Learning and Phone Data Can Improve Targeting of Humanitarian Aid | Mar 2022 | Nature, Vol. 603, pp. 864-870 | Emily Aiken, Suzanne Bellue, Christopher Udry, and Joshua Blumenstock | |
| Tackling Psychosocial and Capital Constraints Opens Pathways out of Poverty (previously titled "Pathways out of Extreme Poverty: Tackling Psychosocial and Capital Constraints with a Multi-faceted Social Protection Program in Niger") | Apr 2022 | Nature, Vol. 605, p291–297 | Thomas Bossuroy, Markus Goldstein, Bassirou Karimou, Harounan Kazianga, William Parienté, Patrick Premand, Catherine Thomas, Christopher Udry, Julia Vaillant, and Kelsey Wright | |
| Social Protection and Social Distancing During the Pandemic: Mobile Money Transfers in Ghana | Jul 2025 | Journal of Development Economics, forthcoming | Matt Lowe, Robert Osei, Isaac Osei-Akoto, Benjamin N. Roth, and Christopher Udry | |
| Do Collusive Norms Maximize Profits? Evidence from a Vegetable Market Experiment in India | Sep 2024 | working paper | Abhijit Banerjee, Greg Fischer, Matt Lowe, and Benjamin N. Roth | |
| Credit Building or Credit Crumbling? A Credit Builder Loan's Effects on Consumer Behavior, Credit Scores and Their Predictive Power | Sep 2022 | Review of Financial Studies, Vol 36, Issue 4, pp. 1585-1620 | Jeremy Burke, Julian Jamison, Kata Mihaly, Jonathan Zinman | |
| Passing the message: Peer outreach about COVID-19 precautions in Zambia (previously titled "Replication and Adaptation of Incentivized Peer Outreach: From Tuberculosis in India to COVID-19 in Zambia") | Oct 2024 | Journal of Development Economics, Volume 171, 103318 | Alfredo Burlando, Pradeep Chintagunta, Jessica Goldberg, Melissa Graboyes, Peter Hangoma, Mario Macis, and Silvia Prina | |
| Give Me a Pass: Flexible Credit for Entreprenuers in Colombia | Oct 2025 | Economic Journal, forthcoming | Lasse Brune and Xavier Giné | |
| Cognitive Behavioral Therapy Among Ghana’s Rural Poor Is Effective Regardless of Baseline Mental Distress | Dec 2022 | American Economic Review: Insights, Vol 4, No 4, pp. 527-545 | Nathan Barker, Gharad Bryan, Angela Ofori-Atta, and Christopher Udry | |
| Improving Smallholder Agriculture via Video-Based Group Extension | Jun 2024 | Journal of Development Economics, Volume 169, 103267 | Tushi Baul, Kentaro Toyama, and Kathryn Vasilaky | |
| Loose Knots: Strong versus Weak Commitments to Save for Education in Uganda | May 2025 | Journal of Development Economics, Volume 174, 103444 | Leigh L. Linden | |
| How Political Insiders Lose Out When International Aid Underperforms: Evidence from a Participatory Development Experiment in Ghana | Sep 2023 | World Development, Vol.169, 106296 | Kate Baldwin, Christopher Udry, Ernest Appiah | |
| Self-Selection into Credit Markets: Evidence from Agriculture in Mali | Oct 2023 | Econometrica, Vol. 91, No. 5, pp1595–1627 | Lori Beaman, Bram Thuysbaert, Christopher Udry | |
| The Fading Treatment Effects of a Multi-Faceted Asset-Transfer Program in Ethiopia | Jun 2024 | American Economic Review: Insights, Vol. 6, No. 2, pp. 277–94 | Nathan Barker, Christopher Udry, Kelsey Wright | |
| Smiles in Profiles: Improving Fairness and Efficiency Using Estimates of User Preferences in Online Marketplaces | Jan 2025 | working paper | Susan Athey, Emil Palikot, Yuan Yuan | |
| Five-year impacts of group-based financial education and savings promotion for Ugandan youth (formerly titled "Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults") | Apr 2023 | Review of Economics and Statistics | Samantha Horn, Julian Jamison, Jonathan Zinman | |
| Big Loans to Small Businesses: Predicting Winners and Losers in an Entrepreneurial Lending Experiment | Sep 2024 | American Economic Review, Vol. 114, No. 9, pp. 2825–60 | Gharad Bryan and Adam Osman | |
| Estimating Impact with Surveys versus Digital Traces: Evidence from Randomized Cash Transfers in Togo | Jun 2025 | Journal of Development Economics, Volume 175, 103477 | Emily Aiken, Suzanne Bellue, Joshua Blumenstock, Christopher Udry | |
| Unconditional Cash Transfers: A Bayesian Meta-Analysis of Randomized Evaluations in Low and Middle Income Countries | Apr 2025 | working paper | Tommaso Crosta, Finley Ong, Julius Rüschenpöhler, Christopher Udry | |
| Introduction to the Journal of Development Economics Special Issue on Methods and Measurement | Sep 2024 | Journal of Development Economics, Volume 170, 103303 | Kathleen Beegle, Andrew Dillon, Christopher Udry | |
| Human Capital at Home: Evidence from a Randomized Evaluation in the Philippines | Aug 2025 | working paper | Noam Angrist, Sarah Kabay, Lincoln Lau, Kevin Wong | |
| Access to Digital Credit for Smallholder Farmers: Experimental Evidence from Ghana | Jan 2026 | Journal of Development Economics | Monica Lambon-Quayefio, Utsav Manjeer, Christopher Udry | |
| Does Q&A Boost Engagement? Health Messaging Experiments in the U.S. and Ghana | Aug 2025 | Management Science | Erika L. Kirgios, Susan Athey, Angela L. Duckworth, Michael Luca, Katherine L. Milkman, Molly Offer-Westort | |
| Group versus Individual Coaching for Rural Social Protection Programs: Evidence from Uganda, Philippines, and Bangladesh | Jan 2026 | American Economic Review: Insights, conditionally accepted | Beam, Brune, Das, Dercon, Goldberg, Haque, Khan, Parkerson, Pople, Sawada, Udry, Zizzamia | |
| Profits and Social Impacts: Complements vs Tradeoffs for Lenders in Three Countries | Dec 2025 | working paper | Susan Athey, Bruno Fava, Adam Osman, Jonathan Zinman | |
| Great Expectations: Responses to Current and Future Transfers for Low-Income Individuals | Feb 2026 | working paper | Achyuta Adhvaryu, Jean-Francois Gauthier, Pamela Jakiela | |
| Esther Duflo | Jul 2025 | The Palgrave Companion to MIT Economics, Chapter 41, pp 865-885 | Chris Udry | |
| Microfinance Impact Assessments: The Perils of Using New Members as a Control Group | Nov 2001 | Journal of Microfinance | ||
| A Review of Commitment Savings Products in Developing Countries | May 2003 | Asian Development Bank Economics and Research Development Working Paper | Nava Ashraf, Nathalie Gons, Wesley Yin | |
| Testing Savings Product Innovations Using an Experimental Methodology | Nov 2003 | Asian Development Bank Technical Note Series, 8 | Nava Ashraf, Wesley Yin | |
| Evaluating Microfinance Program Innovation with Randomized Control Trials: An Example from Group versus Individual Lending | Mar 2006 | Asian Development Bank Economics and Research Department Technical Note Series, 16 | Xavier Giné, Tomoko Harigaya, Binh Nguyen | |
| Evaluating Microfinance Program Innovation with Randomized Controlled Trials: Examples from Business Training and Group versus Individual Liability | Jul 2006 | Prepared for the 2006 Microcredit Summit | Tomoko Harigaya, Sara Nadel | |
| Optimizing Loan Contracting and Marketing Stategies Using Field Experimentation | Nov 2006 | prepared for the 2006 Microcredit Summit | Jonathan Zinman | |
| Microentrepreneurs and Their Money: Three Anomalies | Mar 2007 | unpublished paper | Bindu Ananth, Sendhil Mullainathan | |
| In Defense of Usury | Nov 2007 | Wall Street Journal | Jonathan Zinman | |
| Is Microfinance Too Rigid? | Dec 2007 | VoxEU | Sendhil Mullainathan | |
| Microlending Needs Bigger Ideas | May 2008 | Marketplace on National Public Radio | ||
| The Value of Inconvenience | Mar 2009 | Alliance Magazine | Chona Echavez | |
| How Government Can Guide Small Borrowers | Apr 2009 | Financial Times | Jonathan Zinman | |
| Cairo Evaluation Clinic: Thoughts on Randomized Trials For Evaluation of Development | Jun 2009 | Journal of Development Effectiveness, 1(3) | ||
| Cross Sectional Impact Analysis: Bias from Dropouts | Aug 2009 | Perspectives on Global Development and Technology microfinance special issue | Gwendolyn Alexander-Tedeschi | |
| Does Ad Content Affect Consumer Demand? | Sep 2009 | Alliance Magazine | Manfred Kuhn, Jonathan Zinman | |
| Strength in Numbers | Sep 2009 | Microfinance Insights | ||
| Crossfire: Randomized Control Trials are the Best Way to Measure Impact of Microfinance Programs and Improve Microfinance Product Designs | Sep 2009 | Enterprise Development and Microfinance, 20(3), pp. 167-176 | Nathanael Goldberg | |
| Committed to Savings: Using Behavioral Economics to Motivate Members | Sep 2009 | Filene Research Institute, (194) | ||
| Do Matching Grants Really Work? | Dec 2009 | Alliance Magazine | Kareem Haggag | |
| Survival of the Deviant | Sep 2010 | Stanford Social Innovation Review | ||
| Help Microfinance, Don't Kill It. | Nov 2010 | The Indian Express | Abhijit Banerjee, Pranab Bardhan, Esther Duflo, Erica Field, Asim Khwaja, Dilip Mookherjee, Rohini Pande, Raghuram Rajan | |
| Helping the Poor Save More | Dec 2010 | Stanford Social Innovation Review | ||
| Microcredit is Not the Enemy | Dec 2010 | Financial Times | Abhijit Banerjee, Esther Duflo, Erica Field, Asim Khwaja, Dilip Mookherjee, Rohini Pande, Raghuram Rajan | |
| Microfinance Works, Even Without a Hollywood Ending | May 2011 | The Christian Science Monitor | Jacob Appel | |
| You Can't Always Get What You Want | May 2011 | Foreign Policy | Jacob Appel | |
| Microfinance Evaluation Strategies: Notes on Methodology and Findings | Jun 2011 | The Handbook of Microfinance | Nathanael Goldberg, edited by Beatriz Armendariz and Marc Labie | |
| Training to Save? | May 2012 | Stanford Social Innovation Review | Annie Duflo | |
| Can Management Consulting Help Small Firms Grow? | Jun 2012 | Stanford Social Innovation Review | Annie Duflo | |
| Evaluate (Response to Toyama's article) | Jun 2012 | Boston Review | ||
| Development Controversy a Sign of Sophistication | Aug 2012 | Stanford Social Innovation Review | Caroline Fiennes | |
| Changing Savings Habits | Sep 2012 | Stanford Social Innovation Review | Annie Duflo | |
| Candy We Still Believe In: A Halloween Experiment | Nov 2012 | Freakonomics | ||
| Every Which Way We Can | Dec 2012 | Finance and Development | ||
| Charitable Giving: Why Fewer Is More | Dec 2012 | Freakonomics | ||
| An Economist’s Guide to Year-End Charitable Giving | Dec 2012 | Freakonomics | ||
| Your Own Private Fiscal Cliff (Gated) | Jan 2013 | Wall Street Journal | ||
| What Can We Learn From Congress and African Farmers About Losing Weight? | Jan 2013 | Freakonomics | ||
| Now Hiring | Mar 2013 | Freakonomics | ||
| To Test or Not to Test | Apr 2013 | Freakonomics | ||
| The Millennium Ethical Fallacy: Why Ignore Future Children? | Sep 2013 | Freakonomics | ||
| Charity “Shoppers” vs. Charity Investors | Dec 2013 | Freakonomics | ||
| Innovation, Inclusion and Trust: The Role of Nonprofits in Microfinance | Jan 2014 | PLAN International white paper | ||
| Measuring Impact Isn't for Everyone | Apr 2014 | Stanford Social Innovation Review | Mary Kay Gugerty | |
| Why You Should Root for Nigeria (or Brazil, Mexico or Ghana) | Jun 2014 | New York Times | ||
| The Next Stage of Financial Inclusion | Sep 2014 | Stanford Social Innovation Review | ||
| Here's How to Determine if That Charity is Worth Your Dollars | Dec 2014 | Los Angeles Times | ||
| The Best Ways to Give (Gated) | Dec 2014 | Project Syndicate | ||
| New Data Reveals Which Approach to Helping the Poor Actually Works | Jun 2015 | Reuters | ||
| The Way to Help the Poor | Oct 2015 | Scientific American | ||
| Testimony of Professor Dean Karlan Yale University and Innovations for Poverty Action before the U.S. House Committee on Financial Services | Oct 2015 | Congressional Record, U.S. House Committee on Financial Services | ||
| Will Setting Goals End Hunger? What’s Next for the SDGs… | Dec 2015 | Council on Foreign Relations | ||
| What Data Can Do to Fight Poverty | Jan 2016 | New York Times | Annie Duflo | |
| Five Questions with Dean Karlan | Feb 2016 | Council on Foreign Relations | ||
| Making Microfinance More Effective | Oct 2016 | Harvard Business Review | Rebecca Mann, Jake Kendall, Rohini Pande, Tavneet Suri, Jonathan Zinman | |
| Cash as Capital (Gated) | Jun 2017 | Stanford Social Innovation Review | Chris Blattman, Michael Faye, Paul Niehaus, Chris Udry | |
| How can we help extremely poor people earn more money? | May 2018 | Science Journal for Teens | ||
| Ten Reasons Not to Measure Impact-and What to Do Instead. | Jun 2018 | Stanford Social Innovation Review | Mary Kay Gugerty | |
| Behavioral Economics and Donor Nudges: Impulse or Deliberation | Jan 2019 | Stanford Social Innovation Review | Tantia Piyush, Sarah Welch | |
| Can Banks Play a Role in Improving Resilience to Climate Change? | Jun 2019 | International Banker | Rebecca Rouse, Laura Burke | |
| How to practice social distancing while helping the economy | Mar 2020 | Washington Post | Susan Athey | |
| Hard Data for Hard Choices | Jun 2020 | Project Syndicate | Alison Fahey, Nathanael Goldberg | |
| Why You Shouldn’t Ask a Charity How It Spends Your Donation | Nov 2020 | Wall Street Journal | ||
| Engagement Requires Contrast | Dec 2020 | The NonProfit Times | ||
| A theory and evidence test for strategic international aid | Mar 2025 | The Hill | Ted Yoho | |
| USAID Position Paper on Cost-Effectiveness | Oct 2024 | USAID Position Paper | Team from the Office of the Chief Economist | |
| USAID Position Paper on Direct Monetary Transfers (aka Unconditional Cash Transfers) | Oct 2024 | USAID Position Paper | Team from the Office of the Chief Economist | |
| In a Blank Space of rural finance, new platforms quietly entered, Fearless farmers invest when digital credit is carefully tailored. But Out of the Woods we are not — lending seems best when swift, So Shake It Off, Begin Again: more innovation would be a gift. | Access to Digital Credit for Smallholder Farmers: Experimental Evidence from Ghana | |||
| Machine learning predicts Yet surveys reveal the truth Cash transfers’ true worth | Estimating impact with surveys versus digital traces: Evidence from randomized cash transfers in Togo | |||
| Tethered funds restrain. Yet weaker bonds free the mind—. Learning finds its path. And we learn that AI converts abstract to haiku-highlights quite well. | Loose knots: Strong versus weak commitments to save for education in Uganda | |||
| Poverty implies. freedom to decide, to dream. To decide to dream. For highlights beyond this 5-7-5 haiku, please read on. | Improving smallholder agriculture via video-based group extension | |||
| We study a multi-faceted program to alleviate poverty. Please see abstract. Summary of key results there. | Unpacking a multi-faceted program to build sustainable income for the very poor |




This museum aims to document what we had been doing in the creation and building of USAID's first Office of the Chief Economist, with an eye towards hopefully learning from this experience in future efforts to improve how foreign aid is done. We include here outputs from the office, media reports on what we were doing, alumni, and some bespoke writing about our strategy, challenges, wins, and losses, written after the dismantling of USAID about what our strategy had been and aimed to be doing in the future.