XAVIER GINE is a Lead Economist in the Finance and Private Sector Development Team of the Development Research Group. He is currently a BREAD fellow and Associate Editor for the Journal of Development Economics. Since joining the World Bank as a Young Economist in 2002, his research has focused on access to financial services and rural financial markets. His work has been published in the American Economic Journal: Applied Economics, American Economic Review, American Journal of Agricultural Economics, Economic Journal, Journal of Applied Econometrics, Journal of Development Economics, Journal of Law and Economics, Proceedings to the National Academy of Sciences, Review of Financial Studies and World Bank Economic Review. Prior to joining the Bank he was a postdoctoral fellow and lecturer at the Economic Growth Center at Yale University. He holds a B.A. in Economics from Universitat Pompeu Fabra in Spain, an M.A. and a Ph.D. in Economics from the University of Chicago.