Embedded Files
Dr. rer. pol. (Ph.D.) candidate in Economics at the University of Goettingen, Germany.
I am an applied economist working at the intersection of agricultural and development economics. My research uses behavioral insights and field experiments to study how households and small businesses engage with digital financial services. I focus on financial inclusion, fintech innovation, and consumer protection, with the aim of supporting inclusive growth and expanding equitable access to sustainable finance in emerging markets.
I am supervised by Prof.Dr. Oliver Musshoff , Prof. Dr Liesbeth Colen , Prof. Dr.Dr. Daniel Hermann , and Jun. - Prof. Dr. Selina Bruns.
Selected Publications
Selected Publications
Johnen, C., Mader, A., Nsengumuremyi, A., & Mußhoff, O. (2025). Financial inclusion along the Rural-Urban Continuum: Empirical evidence from a decomposition analysis in Kenya between 2012 and 2021. World Development, 194, 107073. https://doi.org/10.1016/j.worlddev.2025.107073
Sommer, C., Nsengumuremyi, A., Mader, A., & Mußhoff, O. (2025). How to make mobile money and digital financial services work for consumers: Lessons from Kenya. (IDOS Policy Brief 10/2025). IDOS. https://doi.org/10.23661/ipb10.2025
Wever, H., Reich, C. E., Nsengumuremyi, A., Bruns, S., Bonke, V., Michels, M., & Mußhoff, O. (2025). A cross-country comparison of smallholder farmers’ risk attitudes. Applied Economics Letters, 1-6. https://doi.org/10.1080/13504851.2025.2466741
Click here for my updated Google Scholar profile
Page updated
Google Sites
Report abuse