No known empirical research has focused on exploring relationship between owners’ openness, and conscientiousness with the influence financial institution risk management in United States. These studies cover roots of microfinance, observed trends microfinance industry, factors that have caused these trends, implications monies had recipients economies which they exist. The principal objective ...

This thesis consists of three essays that examine investment choices in less developed countries. Chapter 1 examines how the structure of existing microfinance contracts may discourage risky but high-expected return investments. I develop a theory that unifies models of investment choice, informal insurance, and formal financial contracts and test the predictions using a series of experiments w...

The application of microfinance to the provision, improvement or adaptation housing—‘housing microfinance’—is an increasingly significant area practice and research interest. Housing has proliferated, predominantly but not exclusively in global South. Its proliferation must be understood context financialisation concurrently growing importance financial self-help private real estate investment....