Using three nationally representative surveys from the country, we estimate the private rates of returns to education in The Gambia. To obtain consistent estimates, we exploit exogenous variation in school availability in the country at the district level at the time current wage earners were...

Using three nationally representative surveys from the country, we estimate the private rates of returns to education in The Gambia. To obtain consistent estimates, we exploit exogenous variation in school availability in the country at the district level at the time current wage earners where...

This work analyzes the effects of ethnic heterogeneity on credit and entrepreneurship in The Gambia. We develop a model of credit transactions based on ethnic density, which shows that where formal credit markets fail denser ethnic groups will have better access to credit. This work places a...