Research

My research examines household consumption, credit-market institutions, and banking. An additional interdisciplinary program investigates the circumstances associated with students’ academic progress.

Working paper

Non-durable Consumption in Recourse and Non-recourse States

Working paper · Under revision

Project summary

How do mortgage-recourse institutions relate to households’ ability to smooth consumption when income changes? This project combines NielsenIQ household-panel data with county-level housing, labor-market, and macroeconomic information. The manuscript is under revision and has been accepted for presentation at the Southern Economic Association Annual Meeting in November 2026. The linked public draft is dated September 28, 2023 and does not represent the current revision.

Publication

Research in progress

Impact of Financial Inclusion Regulation on Commercial Banks’ Branch Location Choice in Bangladesh

Research in progress

Project summary

A collaborative project on banking regulation and the geographic availability of financial services in Bangladesh. The work involves developing institution-level data and studying how regulation relates to banks’ branch-location decisions.

Habit Persistence in Non-durable Consumption

Research in progress

Project summary

Research on consumption dynamics, habits, and household responses to income shocks.

Presentations and invited talks