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Xavier Gine

Lead Economist

XAVIER GINE is a Lead Economist in the Finance and Private Sector Development Team of the Development Research Group. He is currently a BREAD affiliate and Associate Editor for the Journal of Development Economics. Since joining the World Bank as a Young Economist in 2002, his research has focused on access to financial services and rural financial markets. In recent papers he investigated the macroeconomic effects of a credit liberalization; the relationship between formal and informal sources of credit in rural credit markets; indigenous interlinked credit contracts in the fishing industry and the impact of microfinance services such as business training and financial literacy, microinsurance and microsavings. Prior to joining the Bank he was a postdoctoral fellow and lecturer at the Economic Growth Center at Yale University. He holds a B.A. in Economics from Universitat Pompeu Fabra in Spain, an M.A. and a Ph.D. in Economics from the University of Chicago.

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World Bank working papers and publications

1 .Financial (dis-)information : evidence from an audit study in Mexico
2 .Money or ideas ? a field experiment on constraints to entrepreneurship in rural Pakistan
3 .How does risk management influence production decisions? evidence from a field experiment
4 .Revising commitments : field evidence on the adjustment of prior choices
5 .Does a picture paint a thousand words ? evidence from a microcredit marketing experiment
6 .How accurate are recall data ? evidence from coastal India
7 .After the microfinance crisis : assessing the role of government-led microcredit alternatives
8 .Commitments to save : a field experiment in rural Malawi
9 .Together we will : experimental evidence on female voting behavior in Pakistan
10 .Barriers to household risk management : evidence from India
11 .Eliciting probabilistic expectations with visual aids in developing countries : how sensitive are answers to variations in elicitation design ?
12 .Identification strategy : a field experiment on dynamic incentives in rural credit markets
13 .Microinsurance : a case study of the Indian rainfall index insurance market
14 .Put your money where your butt is : a commitment contract for smoking cessation
15 .Measuring subjective expectations in developing Countries : a critical review and new evidence
16 .Finding missing markets (and a disturbing epilogue) : evidence from an export crop adoption and marketing intervention in Kenya
17 .Insurance, credit, and technology adoption : field experimental evidence from Malawi
18 .Statistical analysis of rainfall insurance payouts in southern India
19 .Patterns of rainfall insurance participation in rural India
20 .Group versus individual liability : a field experiment in the Philippines
21 .Do reorganization costs matter for efficiency ? Evidence from a bankruptcy reform in Colombia
22 .Microfinance games
23 .Cultivate or rent out ? Land security in rural Thailand
24 .Credit constraints as a barrier to technology adoption by the poor : lessons from South Indian small-scale fishery
25 .Access to capital in rural Thailand : an estimated model of formal versus informal credit
26 .Evaluation of financial liberalization : a general equilibrium model with constrained occupation choice

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