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Bilal Zia

Senior Economist

BILAL ZIA is a Senior Economist in the Finance and Private Sector Development Team of the Development Economics Research Group. He joined in July 2006 after completing his Ph.D. in Economics from the Massachusetts Institute of Technology. His research is focused on financial development at the household, firm, and bank levels, and his work has appeared in top academic journals such as the Journal of Finance, Journal of Financial Economics, and the Review of Financial Studies. He uses both experimental and non-experimental methods and some of his recent work includes rigorous impact evaluations of financial literacy programs, testing innovative methods to improve financial access for households and firms, and applying insights from behavioral economics to development finance. He holds an M.C.P. and a Ph.D. in Economics from MIT, and a B.Sc. (Hons.) from the London School of Economics. 


World Bank working papers and publications

1 .Pathways to profits : identifying separate channels of small firm growth through business training
2 .The ABCs of financial education : experimental evidence on attitudes, behavior, and cognitive biases
3 .Debiasing on a roll: changing gambling behavior through experiential learning
4 .The World Bank economic review 28 (1)
5 .The World Bank economic review 28 (1)
6 .The World Bank economic review 28 (1)
7 .Can you help someone become financially capable ? a meta-analysis of the literature
8 .The impact of high school financial education : experimental evidence from Brazil
9 .The World Bank economic review 27 (3);
10 .The World Bank economic review 27 (3);
11 .The World Bank economic review 27 (3);
12 .Who you train matters : identifying complementary effects of financial education on migrant households
13 .Financial literacy around the world : an overview of the evidence with practical suggestions for the way forward
14 .The impact of financial literacy training for migrants
15 .Unpacking the causal chain of financial literacy
16 .Stimulating managerial capital in emerging markets : the impact of business and financial literacy for young entrepreneurs
17 .Liability structure in small-scale finance : evidence from a natural experimen

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