Uzma Afzal is a Lecturer at the School of Economics, Finance and Marketing at RMIT. Her research applies behavioural and experimental methods to explore issues related to human development, gender, and household decision-making.
She holds a PhD in Economics from the University of Nottingham, UK, and is affiliated with the Center for Economic Research in Pakistan (CERP) and the Center for Behavioral Institutional Design (C-BID) at NYUAD. For more information, visit uzmaafzal.com.
Recent work by Uzma Afzal
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What type of contracts do microfinance clients prefer?
Research shows that microfinance clients use credit and savings as commitment devices to accumulate lump sums. Evidence from Pakistan suggests high demand for fixed-repayment contracts, but low demand for commitment add-ons in both credit and savings...
Published 12.03.25