Working Papers

• "Formal Insurance Against Weather Shocks: Evidence from a Randomized Controlled Trial in Gujarat" (with Daniel Stein, Vivek Shah, Laura Litvine, Shawn Cole, and Raghabendra Chattopadhyay) (Appendix) 

• "Estimating Discount Functions with Consumption Choices over the Lifecycle" (with David Laibson, Peter Maxted, and Andrea Repetto)

• "Payday Loans, Uncertainty, and Discounting: Explaining Patterns of Borrowing, Repayment, and Default" (with Paige Marta Skiba)

• "Rainy Day Credit?  Unsecured Credit and Local Employment Shocks" (with Benjamin Keys and Jialan Wang) (slides)

Published Papers

• "Targeting Weather Insurance Markets" (with Shawn Cole and Anita Mukherjee), Journal of Risk and Insurance 88, no. 3 (2021): 757-784.

• "Field Comparisons of Incentive-Compatible Preference Elicitation Techniques" (with Shawn Cole, Nilesh Fernando, and Daniel Stein), Journal of Economic Behavior & Organization 172 (2020): 33-56. 

• "Do Payday Loans Cause Bankruptcy?" (with Paige Marta Skiba), Journal of Law and Economics, 62, no. 3 (2019): 485-519.

• "Weather Insurance Savings Accounts" (with Daniel Stein), Geneva Papers on Risk and Insurance, 41(4), 2016, 677-700. (Appendix) 

• "Payday Loan Choices and Consequences" (with Neil Bhutta and Paige Marta Skiba), Journal of Money, Credit and Banking, 47(2-3), 2015, 223-260. 

• "Dynamics of Demand for Index Insurance: Evidence from a Long-Run Field Experiment" (with Shawn Cole and Daniel Stein), American Economic Review Papers & Proceedings, 104(5), 2014, 284-90. 

• "Dangerous Liquidity and the Demand for Health Care: Evidence from the 2008 Stimulus Payments" (with Tal Gross), Journal of Human Resources, 49(2), Spring 2014, 424-445.  

• "Barriers to Household Risk Management: Evidence from India" (with Shawn Cole, Xavier Gine, Petia Topalova, Robert Townsend, and James Vickery), American Economic Journal: Applied Economics, 5(1), Jan 2013, 104-35. 

• "Marketing Complex Financial Products in Emerging Markets: Evidence from Rainfall Insurance in India" (with Sarthak Gaurav and Shawn Cole), Journal of Marketing Research, Vol. 48(SPL), Nov 2011, S150-162. 

• "Pecuniary Mistakes? Payday Borrowing by Credit Union Members" (with Susan Carter and Paige Marta Skiba), in Olivia S. Mitchell and Annamaria Lusardi, eds., Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford, UK: Oxford University Press, 2011. 

• "Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?" (with Sumit Agarwal and Paige Marta Skiba), American Economic Review Papers & Proceedings, 99(2), 2009, 412-17.

• "Endogenous Effective Discounting, Credit Constraints, and Wealth Inequality." American Economic Review Papers & Proceedings, 99(2), 2009, 369-373. 

• "A Debt Puzzle" (with David Laibson and Andrea Repetto), in Knowledge, Information, and Expectations in Modern Economics: In Honor of Edmund S. Phelps, Eds. Philippe Aghion, Roman Frydman, Joseph Stiglitz, and Michael Woodford, Princeton University Press, 2003. 

• "The Hyperbolic Buffer Stock Model: Calibration, Simulation, and Empirical Evaluation" (with George-Marios Angeletos, David Laibson, Andrea Repetto, and Stephen Weinberg), Journal of Economic Perspectives, 15(3), Summer 2001, 47-68. 

• "Self-Control and Saving for Retirement" (with David Laibson and Andrea Repetto), Brookings Papers on Economic Activity, 1998(1), 91-172. 

• "Cooperative Effect of Calcium Binding to Adjacent Troponin Molecules on the Thin Filament-Myosin Subfragment 1 MgATPase Rate"(with Carol Butters and Larry Tobacman), Journal of Biological Chemistry, 272:20, May 16, 1997, pp. 13196-13202.