Karim is a second year PhD student in the Department of Economics at UC San Diego. His research interests are in Development and Applied Economics focusing on human capital and financial inclusion. In his recent projects, he is exploring how increased competition among schools can affect educational outcomes, how Computerized Assisted Learning (CAL) can be used to improve learning, and how effective community disbursed loans can be in improving living standards. He holds a BSc in Economics from the Lahore University of Management Sciences and an MS in Applied Economics from the University of Minnesota, Twin Cities.