financial inclusion in Pune, a large city of India based on a household survey at an identified slum area. Empirical findings of …

In the context of a collective household choice model, we show that the effects of improved credit access on search … intensity by the unemployed are heterogeneous across households and dependent on the within-household bargaining power of the … unemployed. We find empirical support for the predictions of our model using a household survey conducted by the authors in Cape …