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Lehman College

Faculty Dr. Jose Cao-Alvira

Dr. Jose Cao-AlviraProfessor Jose Cao-Alvira ‘s research interests are in financial econometrics, numerical methods, and banking in developing countries. He is currently working on a theoretical framework which describes the “downscaling” process of commercial banks into microcredit.  The significant and increasing presence of commercial banks in the market for microcredit, alongside or competing with specialized microfinance institutions and NGOs, has contributed to the more heterogeneous contract terms and composition of borrowers currently observed in this credit sector. It's been shown that bank microfinance institutions have different approaches and social objectives, and offer distinct loan contracts from their NGO counterparts. In a coauthored manuscript, Associate Professor José Cao-Alvira at Lehman College and Professor Luca Deidda at University of Sassari develop a model of a competitive credit market characterized by adverse selection that allows for the coexistence of microcredit downscaling for a bank alongside its standard loan practices. The main predictions of the model are in line with the observed practices analyzed by the authors of these commercial banking institutions.

Student Zabier Rodriguez

Accounting undergraduate student Zabier Rodriguez obtained an internship during Summer 2015 with Pricewaterhouse Cooper (PwC) in the Department of Corporate Tax Compliance in Atlanta, GA.   In Spring 2014, Zabier joined ALPFA a professional organization with the intent to obtain an internship at one of the Big4 accounting firms.  He attended the ALPFA Lehman Chapter events which helped him get prepared and to help create a targeted professional resume.  Zabier also chaired the Membership of the Lehman Chapter which he attributed to helping him improve his public speaking and interviewing skills through different workshops that are hosted on Lehman campus.  He expanded his professional network with many active working professionals in the Big4 accounting firms through her ALPFA involvement -- attending the annual conference convention helped her obtain several interviews from Fortune 500 companies.