Sumit Agarwal
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View article: Personal Guarantee and Peer-To-Peer Lending: Evidence from China
Personal Guarantee and Peer-To-Peer Lending: Evidence from China Open
In this study, we examine the effect of personal guarantees in China's peer-to-peer lending market. We leverage a unique context where personal guarantees are not strictly relationship based. This setting reveals a significant economic eff…
View article: Characterization of dangling bond defects at the crystalline Si/SiO<i>x</i> interface in a polycrystalline Si passivating contact solar cell at room temperature with electrically detected magnetic resonance spectroscopy
Characterization of dangling bond defects at the crystalline Si/SiO<i>x</i> interface in a polycrystalline Si passivating contact solar cell at room temperature with electrically detected magnetic resonance spectroscopy Open
Monocrystalline silicon solar cells can achieve photoconversion efficiencies exceeding 26%; however, performance-limiting defects that trap carriers continue to be a challenge. In this work, we have characterized Si solar cells with tunnel…
View article: Predatory Lending and Hidden Risks
Predatory Lending and Hidden Risks Open
We study a specific practice of predatory lending: Borrowers being rejected and approved in rapid succession by the same lender. We show that in such cases borrower and contract characteristics and ex post performance are consistent with p…
View article: Related Exposures to Distressed Borrowers and Bank Lending
Related Exposures to Distressed Borrowers and Bank Lending Open
We study how banks’ exposure to a large set of related and suddenly-distressed borrowers impacts their commercial lending and risk taking. Using Mexican credit registry data, we examine the effect of the 2014 collapse in energy prices. Aft…
View article: Etiological agents causing paediatric sepsis and their antimicrobial susceptibility pattern at a tertiary care hospital
Etiological agents causing paediatric sepsis and their antimicrobial susceptibility pattern at a tertiary care hospital Open
Background: Paediatric septicemia causes significant global morbidity and mortality, particularly in resource-poor regions. The knowledge of microbiological profile of sepsis in children is utmost important to guide the treatment. This stu…
View article: Measurement of Contact Resistivity In Symmetric Polycrystalline Si/SiO<sub>x</sub>/Monocrystalline Si Test Structures Using Variable Light Illumination
Measurement of Contact Resistivity In Symmetric Polycrystalline Si/SiO<sub>x</sub>/Monocrystalline Si Test Structures Using Variable Light Illumination Open
While different methods exist to determine the contact resistivity in semiconductor devices, these methods are limited to measurement of the majority carrier contacts. The measurement of p‐ or n‐type contacts on n‐ or p‐type crystalline si…
View article: From Efficiency to Excess: The Unintended Consequences of Green Premiums on Utility Use
From Efficiency to Excess: The Unintended Consequences of Green Premiums on Utility Use Open
View article: Insuring Against the Heat
Insuring Against the Heat Open
View article: Conservation Under Pressure: Water Demand and Infrastructure in High-Rise Cities
Conservation Under Pressure: Water Demand and Infrastructure in High-Rise Cities Open
View article: Heat Exposure and Mortgage Lending: Evidence from India
Heat Exposure and Mortgage Lending: Evidence from India Open
View article: Deadly Disease, Fear, and Ostracism in the Credit Market
Deadly Disease, Fear, and Ostracism in the Credit Market Open
View article: Mortgages, Subways and Automobiles
Mortgages, Subways and Automobiles Open
View article: Household Heterogeneity And The Lending Channel Of Monetary Policy
Household Heterogeneity And The Lending Channel Of Monetary Policy Open
View article: Eating Smart: Reducing Unhealthy Food During High Pollution
Eating Smart: Reducing Unhealthy Food During High Pollution Open
View article: Perinatal Cash Transfers and Birth Outcomes: A Population-Based, Quasi-Experimental Study of the Rx Kids Unconditional Cash Prescription During Pregnancy and Infancy
Perinatal Cash Transfers and Birth Outcomes: A Population-Based, Quasi-Experimental Study of the Rx Kids Unconditional Cash Prescription During Pregnancy and Infancy Open
View article: Eating Smart: Reducing Unhealthy Food during High Pollution
Eating Smart: Reducing Unhealthy Food during High Pollution Open
View article: Water Conservation in High-rise Buildings: Evidence from Singapore
Water Conservation in High-rise Buildings: Evidence from Singapore Open
View article: Shaping Green Legacies: Sibling Influence in Family Firm Emissions&nbsp;
Shaping Green Legacies: Sibling Influence in Family Firm Emissions Open
View article: Global Heterogeneity in ETS Rollouts and Subsequent Decarbonization Outcomes
Global Heterogeneity in ETS Rollouts and Subsequent Decarbonization Outcomes Open
View article: A Nudge to Female Home Ownership and Mortgage Market Outcomes
A Nudge to Female Home Ownership and Mortgage Market Outcomes Open
View article: Buzzworthy Solutions: Dengue Control and Energy Consumption
Buzzworthy Solutions: Dengue Control and Energy Consumption Open
View article: Avoid Urban Development Policy that Fuels Climate Risk
Avoid Urban Development Policy that Fuels Climate Risk Open
View article: Transportation Technology and Gentrification: Evidence from the entry of Ridesharing Services
Transportation Technology and Gentrification: Evidence from the entry of Ridesharing Services Open
We analyze the staggered entry of rideshare services across U.S. metropolitan areas, estimating its effect on the spatial redistribution and real outcomes of residents. Ridesharing services gentrify urban areas-especially those with ex-ant…
View article: Reduced Cost Sharing and Medication Management Services for COPD
Reduced Cost Sharing and Medication Management Services for COPD Open
Importance High out-of-pocket costs and improper use of maintenance inhalers contribute to poor outcomes among patients with chronic obstructive pulmonary disease (COPD). There is limited evidence for how addressing these barriers could im…
View article: Effect of Cash Benefits on Health Care Utilization and Health
Effect of Cash Benefits on Health Care Utilization and Health Open
Importance Poverty is associated with greater barriers to health care and worse health outcomes, but it remains unclear whether income support can improve health. Objective To examine the effect of cash benefits on health care utilization …
View article: Combination of dual JAK/HDAC inhibitor with regorafenib synergistically reduces tumor growth, metastasis, and regorafenib-induced toxicity in colorectal cancer
Combination of dual JAK/HDAC inhibitor with regorafenib synergistically reduces tumor growth, metastasis, and regorafenib-induced toxicity in colorectal cancer Open
View article: Noisy Experts? Discretion in Regulation
Noisy Experts? Discretion in Regulation Open
While reliance on human discretion is a pervasive feature of institutional design, human discretion can also introduce costly noise (Kahneman, Sibony, and Sunstein 2021).We evaluate the consequences, determinants, and trade-offs associated…
View article: From Efficiency to Excess: Understanding Energy Usage in Green-Certified Homes
From Efficiency to Excess: Understanding Energy Usage in Green-Certified Homes Open
Green building certification is critical for reducing carbon emissions in the real estate sector, which accounts for over one-third of the global carbon output. Analysing nationwide account-level water consumption data in Singapore with st…
View article: Noisy Experts? Discretion in Regulation
Noisy Experts? Discretion in Regulation Open
View article: Cash-Back Rewards: Effects on Spending and Debt Accumulation
Cash-Back Rewards: Effects on Spending and Debt Accumulation Open