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Bertrand M, Karlan DS, Mullainathan S, Shafir E, Zinman J. 2009. What's advertising content worth? Evidence from a consumer credit marketing field experiment Yale University Economic Growth Center Discussion Paper.
Karlan D, Zinman J. 2011. Microcredit in theory and practice: Using randomized credit scoring for impact evaluation. Science. 332:1278–1284.
Karlan D, Zinman J. 2009. Expanding credit access: Using randomized supply decisions to estimate the impacts. Review of Financial studies. :hhp092.