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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 working papers and publications

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

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