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TDPE Presents: Dean Yang

341 Eggers Hall

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Identification Strategy: A Field Experiment on Dynamic Incentives in Rural Credit Markets How do borrowers respond to improvements in a lender’s ability to punish defaulters? We report the results of a randomized field experiment in rural Malawi that examines the impact of fingerprinting borrowers in a context where a unique identification system is absent. Consistent with a simple model of borrower heterogeneity and information asymmetries, fingerprinting led to substantially higher repayment rates for borrowers with the highest ex ante default risk, but had no effect for the rest of borrowers. Dean Yang is Associate Professor of Public Policy and Economics at the Ford School of Public Policy and Department of Economics, University of Michigan. His areas of research interest include international migration and remittances, microfinance, human capital, disasters, international trade, and crime and corruption. He has worked as a consultant on development issues for the World Bank, the Inter-American Development Bank, the UNDP, and in El Salvador and Peru. A native of the Philippines, he received his undergraduate and Ph.D. degrees in economics from Harvard University.

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Exterior of Maxwell in black and white when there was no Eggers building

We’re Turning 100!


To mark our centennial in the fall of 2024, the Maxwell School will hold special events and engagement opportunities to celebrate the many ways—across disciplines and borders—our community ever strives to, as the Oath says, “transmit this city not only not less, but greater, better and more beautiful than it was transmitted to us.”

Throughout the year leading up to the centennial, engagement opportunities will be held for our diverse, highly accomplished community that now boasts more than 38,500 alumni across the globe.