Michał Zator
The Ripple Effect of an Uneven Credit Market
From freelancers to independent contractors, people who rely on temporary work are less likely to get loans and achieve life milestones.
Researchers: David A. Matsa, Brian Melzer and Michał Zator
April 1, 2025
Taking on Debt Can Help a Company Grow—Until a Crisis Hits
A new study shows how highly leveraged companies have less flexibility to innovate in a downturn.
Researchers: Benjamin Friedrich and Michał Zator
May 5, 2020
