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XAVIER GINE is a Lead Economist in the Finance and Private Sector Development Team of the Development Research Group. Since joining the Bank as a Young Economist in 2002, his research has focused on access to financial services and rural financial markets. In recent papers he investigated the macroeconomic effects of a credit liberalization; the relationship between formal and informal sources of credit in rural credit markets; indigenous interlinked credit contracts in the fishing industry and the impact of weather insurance. Prior to joining the Bank he was a postdoctoral fellow and lecturer at the Economic Growth Center at Yale University. He holds an MA and a Ph.D. in Economics from the University of Chicago.