This episode is the ninth in a miniseries of weekly short episodes featuring young scholars entering the academic job market who discuss their latest research. In this episode, Shruti talks with Kim Fe Cramer about her job market paper, “Bank Presence and Health.” They discuss how access to banking and credit benefits health, why those benefits happen, whether healthcare should be subsidized and much more. Cramer is a Ph.D. candidate in finance and economics at Columbia Business School. She researches how the financial sector affects development outcomes and has conducted experiments in countries including India, Kenya and Ecuador. Follow Kim on Twitter: https://twitter.com/KimFeCramer Follow Shruti on Twitter: https://twitter.com/srajagopalan For a full transcript of this conversation with helpful links, visit DiscourseMagazine.com.