Nick Bourke directs Pew's research on consumer needs and perceptions, market practices, and potential regulation of payday and other small-dollar loan providers.
Senior Research Officer
Alex Horowitz is the senior research officer for The Pew Charitable Trusts’ small-dollar loans project, which studies the needs, experiences, and motivations of borrowers of payday, auto title, and other small-dollar loan products. Horowitz manages a series of surveys, experiments, and analyses designed to identify which features of small-credit products work well and which work poorly and to examine the impact of market practices and potential regulations. The studies have been featured in hundreds of media stories and are cited frequently by federal, state, and local policymakers. Before joining Pew, Horowitz conducted strategic opinion research at Hart Research, a polling firm, for clients that included Fortune 500 companies, media outlets, and national nonprofit organizations. He previously worked in media relations, baseball information, and communications for the Florida Marlins and Cincinnati Reds. Horowitz holds a bachelor’s degree in sociology from Harvard University.
Senior Research Associate
Olga Karpekina is a senior research associate with Pew’s consumer finance project. She conducts research on the small-dollar loan market and related state laws to inform recommendations to policymakers and regulators on effective reforms. Before coming to Pew, Karpekina was an analyst with J.P. Morgan Private Equity Fund Services. She holds a bachelor’s degree in finance from Baruch College and a master’s degree in public policy and administration from the London School of Economics.
Gabriel Kravitz is a senior associate with Pew’s small-dollar loans project, providing research and analysis on payday loans to policymakers, regulators, and other stakeholders at the state level. Before coming to Pew, Kravitz worked as a community organizer in Minnesota on local and statewide campaigns to prevent home foreclosures in the wake of the Great Recession and to address the racial wealth gap. Kravitz holds a bachelor’s degree from McGill University.
Senior Research Associate
Tara Roche is a senior research associate with Pew’s small-dollar loans project, conducting original analyses of consumer needs and perceptions, market practices, and potential regulation of payday and other small-dollar loan providers. She also works to develop policy recommendations designed to protect consumers from harmful practices and promote safe, transparent credit. Roche holds a bachelor’s degree in English from the College of New Jersey and a master’s degree in public policy from Rutgers University.