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Robert Cull

Lead Economist

ROBERT CULL is a lead economist in the Finance and Private Sector Development Team of the Development Research Group of the World Bank. His most recent research is on the performance of microfinance institutions, African financial development, the effects of the global financial crisis on developing economies, and the design and use of household surveys to measure access to financial services.  He has published more than twenty-five articles in peer-reviewed academic journals including the Economic Journal, Journal of Development Economics, Journal of Economic Perspectives, Journal of Financial Economics, Journal of Law and Economics, and the Journal of Money, Credit, and Banking.  He is also co-editor of the Interest Bearing Notes, a bi-monthly newsletter reporting on financial and private sector research. Prior to joining the World Bank, Bob was an economist at the U.S. Dept. of Commerce and a visiting assistant professor of economics at the University of California at Los Angeles. He has a B.A. in applied mathematics and political science from Northwestern University and holds a Ph.D. and M.S. in social science from the California Institute of Technology.

Contact Information: Robert Cull, c/o































World Bank Research Dataset

Deposit Insurance around the World: A Comprehensive Database
Policies and Institutions that Promote Saving: module 1 (National saving)

World Bank working papers and publications

1 .The microfinance business model : enduring subsidy and modest profit
2 .Commercialization and mission drift : evidence from a large Chinese microfinance institution
3 .Dual credit markets and household access to finance : evidence from a representative Chinese household survey
4 .Benchmarking the financial performance, growth, and outreach of greenfield microfinance institutions in Sub-Saharan Africa
5 .SME finance in Africa
6 .The African financial development and financial inclusion gaps
7 .Market facilitation by local government and firm efficiency : evidence from China
8 .Banking in Africa
9 .A new index of the business environment for microfinance
10 .Improving access to banking : evidence from Kenya
11 .Resolving the African financial development gap : cross-country comparisons and a within-country study of Kenya
12 .Government connections and financial constraints : evidence from a large representative sample of Chinese firms
13 .Bank ownership and lending patterns during the 2008-2009 financial crisis : evidence from Latin America and Eastern Europe
14 .External finance and firm survival in the aftermath of the crisis : evidence from Eastern Europe and Central Asia
15 .Job growth and finance : are some financial institutions better suited to early stages of development than others?
16 .Related lending and banking development
17 .Banking sector stability, efficiency, and outreach in Kenya
18 .Foreign bank participation in developing countries : what do we know about the drivers and consequences of this phenomenon?
19 .The World Bank economic review 24 (2)
20 .Banks and microbanks
21 .Microfinance tradeoffs : regulation, competition, and financing
22 .Measuring household usage of financial services : does it matter how or whom You Ask ?
23 .Does regulatory supervision curtail microfinance profitability and outreach ?
24 .Pursuing efficiency while maintaining outreach : bank privatization in Tanzania
25 .Microfinance meets the market
26 .The World Bank economic review 22 (2)
27 .Bank privatization in Sub-Saharan Africa : the case of Uganda commercial bank
28 .Formal finance and trade credit during China's transition
29 .Foreign bank participation and crises in developing countries
30 .Financial performance and outreach : a global analysis of leading microbanks
31 .World Bank lending and financial sector development
32 .Corporate governance and bank performance : a joint analysis of the static, selection, and dynamic effects of domestic, foreign, and state ownership
33 .Bank privatization and performance - emprical evidence from Nigeria
34 .The World Bank research observer 18 (1)
35 .World development report 2002 : building institutions for markets
36 .Bank lending to small businesses in Latin America : does Bank origin matter?
37 .Informe sobre el desarrollo mundial 2002 : instituciones para los mercados
38 .Rapport sur le developpement dans le monde 2002 : des institutions pour les marches
39 .Does foreign bank penetration reduce access to credit in developing countries " evidence from asking borrowers
40 .Foreign bank entry - experience, implications for developing countries, and agenda for further research
41 .World development report 2002 - building institutions for markets
42 .Deposit insurance and financial development
43 .World development report 2002 : building institutions for markets
44 .World development report 2002 : building institutions for markets
45 .World development report 2002 : building institutions for markets - overview
46 .World development report 2002 : building institutions for markets
47 .World development report 2002 : building institutions for markets - overview
48 .Bank privatization in Argentina : a model of political constraints and differential outcomes
49 .Ownership structure and the temptation to loot : evidence from privatized firms in the Czech Republic
50 .Provincial bank privatization in Argentina : the why, how, and "so what"?
51 .The effect of foreign entry on Argentina's domestic banking sector
52 .Why privatize? : the case of Argentina's public provincial banks
53 .The political economy of privatization : an empirical analysis of bank privatization in Argentina
54 .How deposit insurance affects financial depth : a cross-country analysis
55 .Financial sector adjustment lending : a mid-course analysis

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