Sally R. Merrill

Sally Merrill is an economist specializing in housing finance, housing and urban policy, and housing microfinance. Since 1987, she has focused on international development of systems of housing finance, policy reform in housing and housing finance, capital market funding, and low-income housing and infrastructure schemes. She has worked in this context throughout Asia (in Bangladesh, India, Indonesia, Pakistan, the Philippines, and Sri Lanka); in the Central Asian republics and Central and Eastern Europe (Bosnia, Bulgaria, Croatia, Czech Republic, Hungary, Kazakhstan, Mongolia, Poland, Romania, Serbia, and Slovakia); in North Africa (Algeria and Egypt); and in Sub-Saharan Africa (Ghana, Kenya, South Africa, Tanzania, Uganda, Zambia, and Zimbabwe) and in Jamaica. Prior to this, Dr. Merrill addressed US housing and welfare analysis and has worked extensively with public housing and housing vouchers programs on topics such as housing demand, subsidy policies, low-income housing quality, and affordability and discrimination patterns. Ms. Merrill has published widely on housing finance and microfinance, mortgage lending and insurance, housing finance in developing-market contexts, as well as other topics. Ms. Merrill has also worked at the Federal Reserve Bank of New York.

Areas of Expertise: Housing finance; housing and urban policy; housing microfinance; and low-income housing.

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