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

In Harm's Way? Payday Loan Access and Military Personnel Performance (February 2014)
revised and resubmitted, Review of Financial Studies, with Scott Carrell

Getting to the Top of Mind: How Reminders Increase Saving (November 2013)
revise and resubmit, 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

Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco (December 2013)
revise and resubmit, American Economic Journal: Applied, with Manuela Angelucci and Dean Karlan

Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment (April 2013)
revise and resubmit, American Economic Journal: Micro
with Gharad Bryan and Dean Karlan

Win Some Lose Some? Evidence on Heterogeneous Treatment Effects and Spillovers from a Microcredit Expansion
with Manuela Angelucci, Tim Conley, and Dean Karlan

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

Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs (March 2014)
with Victor Stango

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

Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock (November 2013),
with Dean Karlan and Adam Osman

A Personal Touch: Text Messaging for Loan Repayment, with Dean Karlan and Melanie Morten (August 2013)

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)