Kristina received her Ph.D. in Economics at the Goethe University Frankfurt in August 2012 after graduating in Economics at the University of Muenster and Stockholm University. She is now working as a postdoctoral researcher at the CERDI-Université d' Auvergne in Clermont-Ferrand, France. Her research interest in general is development economics, and in particular, the nexus of financial product design in microfinance, vulnerability and risk coping, and borrower welfare. Especially, she focuses on how households use microfinancial products to cope with adverse income shocks and how such products should be designed to meet microfinance clients' needs. For the analyses, she applies microeconometric methods, especially program evaluation techniques in field experiments, natural experiments and lab experiments in the field.