Contact
- +44 (0)20 7040 4949
- +442070404949
- Sujata.Visaria@citystgeorges.ac.uk
About
Overview
Dr. Visaria is Reader of Finance at Bayes Business School.
Her research has examined financial constraints and contracting frictions in developing countries, often in agricultural settings.
She is a member of the Standing Panel on Impact Assessment of the CGIAR (2021-27), and associate editor at the Journal of Economic Behaviour and Organization (2023-present). She was an associate editor at the Asian Development Review from 2023 to 2025.
Before coming to Bayes, Sujata taught at the Hong Kong University of Science and Technology, University of Michigan and Boston University. She has a PhD in Economics from Columbia University, an MA in Economics from the Delhi School of Economics, and a BA in Economics (Honours) from Miranda House, University of Delhi.
Qualifications
- PhD, Columbia University, United States
Postgraduate training
- MA Economics, Delhi School of Economics, University of Delhi, India
Employment
- Reader, Bayes Business School, United Kingdom, August 2023 - present
- Member, Standing Panel on Impact Assessment, CGIAR, France, July 2021 - June 2027
- Associate Professor, Hong Kong University of Science and Technology, China, July 2017 - August 2024
Languages
Gujarati (can read, write, speak, understand spoken) and Hindi (can read, write, speak, understand spoken)
Expertise
Primary topics
- Financial Economics
Industries
- retail financial services
Geographic Areas
- Asia
Publications
Internet publication
- Visaria, S.(2026).Honest Assumptions: Why SPIA Uses Ranges for ROI Estimates. Standing Panel on Impact Assessment.
Journal articles (13)
- Kosmowski, F., Visaria, S., Stevenson, J., Gimode, D. and Platten, J.D. (2026). Farmers more likely to adopt rice varieties with higher density of quantitative trait loci (QTL) in Viet Nam. Scientific Reports, 16(1). doi:10.1038/s41598-026-44331-9
- Bhattacharya, U., Kumar, A., Visaria, S. and Zhao, J. (2025). Gender differences in financial advice: Lessons from a secret shopper study. Journal of Financial Transformation, 61(September), pp. 186-191
- Maitra, P., Mitra, S., Mookherjee, D. and Visaria, S. (2024). Decentralized Targeting of Agricultural Credit Programs: Private versus Political Intermediaries. Journal of the European Economic Association, 22(6), pp. 2648-2699. doi:10.1093/jeea/jvae018
- BHATTACHARYA, U., KUMAR, A., VISARIA, S. and ZHAO, J. (2024). Do Women Receive Worse Financial Advice? The Journal of Finance, 79(5), pp. 3261-3307. doi:10.1111/jofi.13366
- Maitra, P., Mitra, S., Mookherjee, D. and Visaria, S. (2022). Evaluating the distributive effects of a micro-credit intervention. Journal of Development Economics, 158. doi:10.1016/j.jdeveco.2022.102896
- Lim, W. and Visaria, S. (2020). The Borrowing Puzzle: Why Do Filipino Domestic Workers in Hong Kong, China Borrow Rather than Dissave? Asian Development Review, 37(2), pp. 77-99. doi:10.1162/adev_a_00150
- Chao, M.M., Visaria, S., Mukhopadhyay, A. and Dehejia, R. (2017). Do rewards reinforce the growth mindset?: Joint effects of the growth mindset and incentive schemes in a field intervention. Journal of Experimental Psychology: General, 146(10), pp. 1402-1419. doi:10.1037/xge0000355
- Maitra, P., Mitra, S., Mookherjee, D., Motta, A. and Visaria, S. (2017). Financing smallholder agriculture: An experiment with agent-intermediated microloans in India. Journal of Development Economics, 127, pp. 306-337. doi:10.1016/j.jdeveco.2017.03.001
- Mitra, S., Mookherjee, D., Torero, M. and Visaria, S. (2017). Asymmetric Information and Middleman Margins: An Experiment with Indian Potato Farmers. The Review of Economics and Statistics, 100(1). doi:10.1162/rest_a_00699
- Visaria, S., Dehejia, R., Chao, M.M. and Mukhopadhyay, A. (2016). Unintended consequences of rewards for student attendance: Results from a field experiment in Indian classrooms. Economics of Education Review, 54, pp. 173-184. doi:10.1016/j.econedurev.2016.08.001
- (2012). The Distributive Impact of Reforms in Credit Enforcement: Evidence From Indian Debt Recovery Tribunals. Econometrica, 80(2), pp. 497-558. doi:10.3982/ecta9038
- Visaria, S. (2009). Legal Reform and Loan Repayment: The Microeconomic Impact of Debt Recovery Tribunals in India. American Economic Journal: Applied Economics, 1(3), pp. 59-81. doi:10.1257/app.1.3.59
- Field, E., Levinson, M., Pande, R. and Visaria, S. (2008). Segregation, Rent Control, and Riots: The Economics of Religious Conflict in an Indian City. American Economic Review, 98(2), pp. 505-510. doi:10.1257/aer.98.2.505
Report
- Kosmowski, F., Binh Le, T., Chavez, S., Nguyen, H.T., Nguyen, P., Gimode, D.... Visaria, S. (2025). SPIA Viet Nam Report: Global Ambitions, Sustainable Pathways. Rome, Italy: CGIAR Independent Advisory and Evaluation Service IAES.
Working papers (3)
- Maitra, P., Mitra, S., Mookherjee, D. and Visaria, S. (2024). Declining Clientelism of Welfare Benefits? Targeting and Political Competition based Evidence from an Indian State.
- Maitra, P., Mitra, S., Mookherjee, D. and Visaria, S. Decentralized Targeting of Agricultural Credit Programs: Private versus Political Intermediaries. Elsevier BV.
- Bhattacharya, U., Kumar, A., Visaria, S. and Zhao, J. Do Women Receive Worse Financial Advice? An Audit Study in Hong Kong, China. Elsevier BV.
Professional activities
Consultancy
-
Standing Panel on Impact Assessment, CGIAR (Public Sector) (July 2021 - June 2027)
Panel Member
Editorial activity (2)
- Asian Development Review, Associate Editor, January 2023 - December 2025.
- Journal of Economic Behavior and Organization, Associate Editor, January 2023 - present.