About the author 

Dr. Arvind Ashta holds the Banque Populaire Chair in Microfinance at the Burgundy School of Business (Groupe ESC Dijon-Bourgogne), France. He offers courses in Microfinance and researches institutional aspects of Microfinance, technology in Microfinance, and CSR. He has taught Microfinance as visiting faculty in Chicago, Pforzheim, Brussels, Barcelona, Hertfordshire and Nancy. He has edited a book on Advanced Technologies for Microfinance. He has a number of publications in international journals and guest edits special editions of various journals devoted to microfinance. He is on the editorial review board of Cost Management and Strategic Change. He is member of a club of micro-investors.

Saleh Khan has over 12 years of experience in formulating, managing, and evaluating development projects in a number of countries around the world. Having worked with institutions like the UNDP, the World Bank, and the Grameen Foundation, he has led two MFIs in Nigeria and Ghana. 

 Dr. Philipp E. Otto is working in Behavioral and Experimental Economics. In 2007 he received his PhD from the University College London (UCL).. Currently he is working for the DFG (German Science Foundation) on a research project on power and responsibility at the Microeconomics Department of the Viadrina University in Frankfurt (Oder), Germany. Research interests include Matching Markets and Price Bargaining, Social Motives and Learning, Cognitive Heuristics and Strategy Selection. Publications of his appeared in international journals such as the Journal of Socio-Economics, the Journal of Experimental Economics, the Journal of Applied Cognitive Psychology, and Kyklos.