About me

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I am an Assistant Professor (tenure-track) at the University of Groningen. >> CV

As a micro development economist, my research focuses on i) markets and products for coping with risks and shocks, ii) organizational structures, and iii) microeconomic determinants of labor productivity. I study these topics in particular in the context of microfinance. I use both applied micro-econometric and experimental economics methods, such as randomized controlled trials, natural experiments, and lab-in-the-field experiments, and I usually collect primary data in low income countries.

Research Interests

Development Economics, Microfinance, Applied Microeconometrics, Experimental and Behavioral Economics

Journal Articles

Czura, Kristina (2015) "Pay, peek, punish? Repayment, information acquisition and punishment in a microcredit lab-in-the-field experiment", Journal of Development Economics, 117: 119 - 133 [link]

Kemper, Czura, Schumacher (2018) "Unfair incentives: a behavioral note on sharecropping", Economics of Transition, 26 (2): 303-331 [link]

Working Papers

"Flexible Microcredit: Effects on Loan Repayment and Social Pressure" with Anett John (University of Birmingham) and Lisa Spantig (University of Essex), CESifo Working Paper No. 8322 >>PDF

“Financial Market Responses to a Natural Disaster: Evidence from Local Credit Networks and the Indian Ocean Tsunami” with Stefan Klonner (University of Heidelberg), CESifo Working Paper No. 7354 >>PDF

“Do flexible repayment schedules improve the impact of microcredits? Evidence from a randomized evaluation in rural India” >>PDF

... more research

Contact Information


University of Groningen

Faculty of Economics and Business, Department of Economics, Econometrics and Finance

Nettelbosje 2, 9747 AE Groningen (visiting address)

P.O. Box 800, 9700 AV Groningen

E-mail: k.czura@rug.nl