Harvard Kennedy School faculty disseminate their research in working publications and papers that contribute to public knowledge and fuel policy innovation. This list features recent faculty publications, including journal articles, books, edited volumes, research papers, and public testimony.

Faculty Publications

Rosengard, Jay K. "The World’s Best-Kept Financial Inclusion Secret Revealed: The Untold Success Story of BRI Microbanking Since 1895." Ash Center Policy Briefs Series, November 2022.
Rosengard, Jay K. "Success Factors in Tax Digitalization." United Nations Better Than Cash Alliance, October 2020.
Rosengard, Jay K. Review of The Creation of the East Timorese Economy, Volume 2: Birth of a Nation, by Mats Lundahl and Fredrik Sjöholm. Bulletin of Indonesian Economic Studies, 56.2, August 2020.
Rosengard, Jay K. "A Quantum Leap over High Hurdles to Financial Inclusion: The Mobile Banking Revolution in Kenya." HKS Faculty Research Working Paper Series RWP16-032, June 2016.
Stiglitz, Joseph E., and Jay K. Rosengard. Economics of the Public Sector, 4th Edition. W.W. Norton & Company, 2015.
Rosengard, Jay K., and Malcolm F. McPherson. The Sum Is Greater Than The Parts: Doubling Shared Prosperity in Indonesia Through Local and Global Integration. Gramedia Pustaka Utama, 2013.
Prasetyantoko, A and Jay K. Rosengard. "If the Banks are Doing so Well, Why Can't I Get a Loan? Regulatory Constraints to Financial Inclusion in Indonesia." Asian Economic Policy Review 6.2 (December 2011): 273-296.
Jay K. Rosengard, Tr?n Th? Qu? Giang, Ðinh Vu Trang Ngân, Hu?nh Th? Du, and Juan Pablo Chauvin. "The Unintended Consequences of Successful Resource Mobilization: Financing Development in Vietnam." United Nations Development Programme and the Fulbright Economics Teaching Program, 2011.
Rosengard, Jay K. "Oversight is a Many-Splendored Thing: Choice and Proportionality in Regulating and Supervising Microfinance Institutions." The Handbook of Microfinance. Ed. Beatriz Armendáriz and Marc Labie. World Scientific Publishing, 2011.
Rosengard, Jay K. Review of Improving Access to Financial Services in Indonesia, World Bank, and Enhancing Access to Finance for Indonesian Overseas Migrant Workers: Evidence from a Survey of Three Provinces, World Bank. Bulletin of Indonesian Economic Studies, 47.1, April 2011: 132-134.
Rosengard, Jay K. Review of Restructuring of State-Owned Financial Institutions: Lessons from Bank Rakyat Indonesia, Asian Development Bank. Bulletin of Indonesian Economic Studies, 47.1, April 2011: 132-134.
Rosengard, Jay K., and Huynh The Du. "Funding Economic Development: A Comparative Study of Financial Sector Reform in Vietnam and China." United Nations Development Programme, Harvard Policy Dialogue Papers 2, 2009.
Rosengard, Jay K. "Thinking Outside of the Organizational Box: Institutional Innovation in the Sustainable Provision of Microfinance Services." Reflets et Perspectives de la Vie Economique XLVIII.3 (2009): 19-27.
Rosengard, Jay K. "Innovative Real Estate Taxes and Fees to Finance Municipal Public Infrastructure and Services in Vietnam." Vietnam Ministry of Finance Policy Advisory Group, August 2008.
Rosengard, Jay K., and Do Ngoc Huynh. "Vietnam Land and Buildings Tax." Vietnam Ministry of Finance Policy Advisory Group, March 2008.
Rosengard, Jay K. "¿Qué Pasó? Failure of the Commercial Financial Sector to Deliver Microfinance Services in Mexico." Paper Presented at the Forum on Microfinance, Monterrey, Mexico, November 2007.
Rosengard, Jay K., with Bui Van, Huynh The Du, Vu Pham Tin, Fang Xu, and Mochamad Pasha. "Paying for Urban Infrastructure and Services: A Comparative Study of Municipal Finance in Ho Chi Minh City, Shanghai, and Jakarta." UNDP Viet Nam and the Institute for Economic Research HCMC, June 2007.
Rosengard, Jay K., Richard H. Patten, Don E. Johnston, and Widjojo Koesoemo. "The Promise and the Peril of Microfinance Institutions in Indonesia." Bulletin of Indonesian Economic Studies 43.1 (April 2007): 87-112.
Rosengard, Jay K. "Sustainable and Effective Microfinance: Reconciling Commercial Viability and Poverty Alleviation Objectives." Presented at the Euro-Mediterranean Conference on Microcredit, December 5-6, 2005.
Hirsch, Gary, Jay K. Rosengard, Guy Stuart and Don Johnston, Jr. "SymBanc: A Simulator for Microfinance Institutions." ADB Finance for the Poor 6.4 (December 2005): 8-15.
Hirsch, Gary B., Jay K. Rosengard, Guy Stuart, and Don E. Johnston, Jr. "SymBanc: A Simulator for Microfinance Institutions." Annual Conference of the Systems Dynamic Society Working Paper, July 2005.
Rosengard, Jay K. Review of Good Times and Bad Times in Rural Java: Case Study of Socio-Economic Dynamics in Two Villages towards the End of the Twentieth Century, by Jan Breman and Gunawan Wiradi. Economic Development and Cultural Change, 53.3, April 2005: 760-2.
Rosengard, Jay K. Review of Helping Countries Develop: The Role of Fiscal Policy, Ed. Sanjeev Gupta, Benedict Clements, and Gabriela Inchauste. Asian-Pacific Economic Literature, 19.2 November 2005: 88.
Rosengard, Jay K. "Will Bank Bailouts Bust Budgets? Fiscalisation of the East Asian Financial Crisis." Asian-Pacific Economic Literature 18.2 (November 2004): 19-29.
Rosengard, Jay K. “Banking on Social Entrepreneurship: The Commercialization of Microfinance." Mondes en Développement 32-2004/2.126 (September 2004): 25-36.
Rosengard, Jay. "Will Bank Bailouts Bust Budgets? Fiscalization of the East Asian Financial Crisis." KSG Faculty Research Working Paper Series RWP04-012, February 2004.
Rosengard, Jay K. Review of Land Claims in East Timor, by Daniel Fitzpatrick. Asian-Pacific Economic Literature, 18.1 May 2004: 68-69.
Patten, Richard, Jay K. Rosengard, Don Johnston, and Widjojo Kusomo. "Improving Access to Financial Services for Low-Income Households and Microenterprises in Indonesia." Deutsche Gesellschaft für Technische Zusammenarbeit (GTZ) GmbH, Jakarta, Conference Paper, August 2003.
Rosengard, Jay. "Haciendo lo Bueno para Hacer Bien: El Futuro de las Microfinanzas por Medio de Instituciones Financieras Reguladas (Doing Well by Doing Good: The Future of Microfinance via Regulated Financial Institutions)." The Anáhuac Journal 4.1 (2003): 13-20.
Rosengard, Jay K. "National Markets and Institutions to Support Financial Development in East Asia." Institutional Development in Finance in East Asia, Bangkok, Conference Paper, 2003.
Rosengard, Jay, et al. "Re-Establishing Microfinance Services in East Timor: Back to BRI?" Center for Business and Government, 2003.
Rosengard, Jay. "Reforming the Financial Sectors of Thailand and Indonesia: Myth Perceptions of Ramakien and Ramayana Capitalists." Paper for Conference on Financial Sector Reform Across Asia: Facts, Analyses, Solutions, December 2002.
Rosengard, Jay, Richard H. Patten, and Don E. Johnston, Jr. "Microfinance Success amidst Macroeconomic Failure: The Experience of Bank Rakyat Indonesia During the East Asian Crisis." World Development 29.6 (June 2001): 1057-1069.
Rosengard, Jay, Ashok S. Rai, Aleke Dondo, and Henry O. Oketch. "Microfinance Development in Kenya: Transforming K-Reps's Microenterprise Credit Program Into a Commercial Bank." Equity and Growth through Economic Research/Public Strategies for Growth and Equity Project African Economic Policy Discussion Paper 70, June 2001.
Rosengard, Jay. "Kinks in the Links." Equity and Growth through Economic Research/Public Strategies for Growth and Equity Project, March 2001.
Rosengard, Jay K, et al. "BRI Micro Banking Services: Development Impact and Future Growth Potential." Center for Business and Government, 2001.
Rosengard, Jay. "Folly or Foresight: Strategic Options for Fiscal Policy in East Timor." East Timor: Development Challenges for the World's Newest Nation. Ed. Hal Hill and João M. Saldanha. Institute of Southeast Asian Studies, 2001.