Welcome to my homepage!I am an Assistant Professor at the University of Munich (LMU München). >>CV 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. Research Interests:Development Economics, Microfinance, Applied Microeconometrics, Experimental and Behavioral EconomicsJournal ArticlesCzura, 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 and Work in Progress“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 ... more research Contact Information
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