Globally, 1.7 billion adults still lack access to formal financial services, with a large percentage living in South Asia and Sub-Saharan Africa. Current financial inclusion strategies seek to enhance these vulnerable populations' access to financial services with the aim of building more...

Globally, 1.7 billion adults still lack access to formal financial services, with a large percentage living in South Asia and Sub-Saharan Africa. Current financial inclusion strategies provide these vulnerable populations with access to a wide array of financial services that aim to build more...

Globally, 1.7 billion adults still lack access to formal financial services, with a large percentage living in South Asia and Sub-Saharan Africa. Current financial inclusion strategies provide these vulnerable populations with access to a wide array of financial services that aim to build more...

Based on the physical phenomena of optical effects produced by the partial discharge (PD) and on the characteristics of fluorescent fiber sensing of weak fluorescent signals, a PD measurement system using a fluorescent fiber sensor was designed. The main parameters of the sensing system were...

This research examines customer biases relating to employee accents in call service encounters. Extant research and practitioners generally assume that customers automatically evaluate call service employees with a negatively biased accent lower than employees with a standard accent. However,...

This paper studies quantitatively how a microfinance program in the U.S. affects occupational choice, firm size, credit access, wages, output, inequality, and welfare. The general equilibrium model has heterogeneous agents, a bank with a minimum loan size requirement and a microfinance...

We study two vertical constraints on pricing which have received little study. A vertical MFN (“VMFN”) refers to an MFN on retail prices that is sought by an upstream manufacturer. A vertical margin constraint (“VMC”) refers to a requirement that the margin earned by a retailer on a...

Evidence from the U.S. and Europe suggests that current risk assessment tools used by researchers and financial professionals to determine individuals’ risk tolerance and provide suitable portfolio recommendations may be flawed due to “mis”perceptions of risk. Limited research has examined...