Sujata Visaria is Associate Professor in the Department of Economics at the Hong Kong University of Science and Technology. She has a Ph.D. from Columbia University, and worked at Boston University for four years before moving to HKUST. Her research has studied how the enforcement of credit contracts affects micro-level outcomes in developing countries, the problems that small farmers face in marketing agricultural produce, and explores alternative ways of microcredit beneficiary selection that targets productive borrowers. She is an affiliate of the Bureau for the Research and Economic Analysis of Development (BREAD) and the Small and Medium Enterprise Initiative of Innovations for Poverty Action. She serves on the board of directors of the Asian Migrants Credit Union, the first and only savings and credit cooperative serving migrant workers in Hong Kong.