Miguel Angel Carpio is an Associate Professor in the Department of Economics of Universidad de Piura (Lima Campus). An applied microeconomist, he is interested in household finance in high-informality settings, including borrowing, insurance programs, savings systems, and family networks. He received his PhD in Economics and MSc in Economics from the Universitat Pompeu Fabra, and his BA in Economics from Universidad del Pacífico, Peru. Before his academic career, Miguel Angel worked at the Superintendencia de Banca, Seguros y AFP of Peru.