Jonathan Zinman

Professor of Economics

My research focuses on intertemporal choice and household finance. It tests economic theories of how firms and consumers interact in markets and examines the merits of incorporating specific features of psychology into economic models. I am particularly interested in developing and testing innovations that build better financial services architecture for people and the institutions that serve them.

314 Rockefeller
HB 6106
The John Sloan Dickey Center for International Understanding
B.A. Harvard College
Ph.D. Massachusetts Institute of Technology

Selected Publications

"(Ineffective) Messages to encourage recycling: Evidence from a randomized evaluation in Peru" (with Alberto Chong, Dean Karlan,& Jeremy Shapiro, August 2013)

"Long-Run Price Elasticities of Demand for Credit: Evidence from Countrywide Field Experiment in Mexico" NBER (with Dean Karlan, June 2013)

"Win some lose some? Evidence from a randomized Microcredit Program Placement Expeirment by Compartamos Banco" NBER (with Manuela Angelucci and Dean Karlan, June 2013)

Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation, Science, 10 June 2011, 332(6035), 1278-1284, with Dean Karlan

Being Surveyed Can Change Later Behavior and Related Parameter Estimates Proceedings of the National Academy of Sciences, 10(1073), pp. 1-6, January 2011, joint with Alix Zwane, Eric Van Dusen, William Pariente, Clair Null, Edward Miguel, Michael Kremer, Dean Karlan, Richard Hornbeck, Xavier Giné, Esther Duflo, Florencia Devoto, Bruno Crepon and Abhijit Banerjee.

Fuzzy Math, Disclosure Regulation, and Credit Market Outcomes: Evidence from Truth-in-Lending Reform
  this version supersedes "How a Cognitive Bias Shapes Competition..."
Review of Financial Studies 24(2): 506-534, February 2011, with Victor Stango

What’s Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
  previous title: "What's Psychology Worth?..."   Web Appendix   Data
Quarterly Journal of Economics, 125(1), February 2010, with M. Bertrand, D. Karlan, S. Mullainathan, and E. Shafir

Restricting Consumer Credit Access: Household Survey Evidence on Effects Around the Oregon Rate Cap
Journal of Banking and Finance, 34(3), March 2010, 546-556

Social and Economic Correlates of Depressive Symptoms and Perceived Stress in South African Adults
Journal of Epidemiology and Community Health, 62, pp. 538-544, with Rita Hamad, Lia Fernald, and Dean Karlan

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