My research focuses on development economics in general, and in particular, on the nexus of financial product design in microfinance, vulnerability and risk coping, and borrower and client welfare. I am especially interested in how households use microfinancial products to cope with adverse income shocks and how such products should be designed to meet microfinance clients' needs. For the analyses, I apply microeconometric methods, especially program evaluation techniques in randomized control trials and natural experiments, and experimental economic techniques in lab experiments in the field.
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 to journal website]
“Does semi-formal credit help to cope with aggregate shocks? Evidence from Roscas and the Indian Ocean Tsunami” with Stefan Klonner (University of Heidelberg) >>PDF
“Do flexible repayment schedules improve the impact of microcredits? Evidence from a randomized evaluation in rural India” >>PDF
"Willingness to pay for microinsurance and flexibility: Evidence from an agricultural investment lab-in-the-field experiment in Senegal" with Vianney Dequiedt (CERDI - Université d'Auvergne) >>Policy Brief
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