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.
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.
Associate Manager, Research
Tara Roche is an associate manager with Pew’s consumer finance 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.