Kim Fe Cramer

How do copayments affect the benefits and costs of health insurance in low-income settings? We study this question in a field experiment in rural...

This paper uses credit bureau data on 648 million retail loans in India to examine the comparative advantages of shadow banks across market segments...

Review of Finance, 29 (5), 1497–1535

This paper studies how firms allocate their Corporate Social Responsibility (CSR) expenditures to inform the welfare effects of corporate...

Increased access to financial services after the expansion of banks in India improved household health outcomes.

This paper demonstrates that increasing bank presence in underserved areas can substantially improve households’ health. I apply a regression...