Jonathan Zinman
Professor of Economics

Dad to Elias, Ella, and Irena
Husband of Mary K. Coffey
"JZ" to grad school classmates, colleagues

Department of Economics
314 Rockefeller Hall
Dartmouth College
Hanover, NH 03755-3514
Cell: (603) 667-5068
Fax: (603) 646-2122

Some other affiliations/positions:
Scientific Director, IPA's U.S. Household Finance Initiative
Research Affiliate/Associate, J-PAL, NBER
Member, inaugural Consumer Advisory Board to the Consumer Financial Protection Bureau

Household Finance
Behavioral Economics
Law and Economics
other keywords describing my research and its applications: consumer finance, microfinance,
retail finance, retail payments, small business finance, intertermporal choice, decision making, psychology and economics

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Working Papers (most titles should be clickable)

Household Debt, in preparation for the Annual Review of Economics vol. 7 (September 2014)

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs (August 2014)
revise and resubmit, Review of Financial Studies, with Victor Stango

Getting to the Top of Mind: How Reminders Increase Saving (September 2014)
revised and resubmitted, Management Science, with Dean Karlan, Maggie McConnell, and Sendhil Mullainathan

Wintertime for Deceptive Advertising? (August 2013, previous title: "Snowed: Deceptive Advertising by Ski Resorts")
revise and resubmit, American Economic Journal: Applied
, with Eric Zitzewitz

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock (August 2014)
with Dean Karlan and Adam Osman

Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs (May 2014)
with Julian Jamison and Dean Karlan

A Personal Touch: Text Messaging for Loan Repayment, with Dean Karlan and Melanie Morten (May 2014)

Price and Control Elasticities of Demand for Saving (March 2014)
with Dean Karlan

Long-Run Price Elasticities of Demand for Microcredit: Evidence from a Countrywide Field Experiment in Mexico (January 2014)
with Dean Karlan

Archived Working Papers
Household Borrowing High and Lending Low Under No-Arbitrage (2007)

Consumer Homing on Payment Cards: From Theory to Measurement, with Chris Snyder (2007)

The Impact of Liquidity on Household Balance Sheets: Micro Responses to a Credit Card Supply Shock (2003)