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You're invited to virtually meet with an admissions staff member to explore program options available for college seniors and recent college graduates from University of Michigan.\u00a0Master of Finance This 18-month STEM-designated (with a 12-month accelerated option) program prepares you for premier career opportunities in finance through our global reputation, world-renowned faculty, and a rigorous, hands-on approach to adaptive problem-solving.\u00a0Master of Business Analytics A 12-month STEM-designated program focusedon applying the tools of modern data science, optimization, and machinelearning to solve real-world challenges and integrate data insights across every sector of business.\u00a0MBA Early Admission Offering Is an MBAin your five-year plan? MIT Sloan MBA Early Admission secures your seat in a future MBA class and is perfect for ambitious college seniors who don't yet have full-time work experience.\u00a0Why MIT? The MIT name is recognized around the world. Your MIT degree will open doors and create unimagined opportunities. That's because MIT is exceptional, and a degree fromhere says that you are, too. 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We study this link by developing and estimating a labor market model where workers can be employed both formally and informally and agents can save through both formal and informal financial institutions. We estimate the model on nationally representative data for Colombia and use the estimated model to simulate counterfactual experiments. Results show that reaching full financial inclusion of informal workers would increase both saving and borrowing, leading to doubling the proportion of assets held in formal financial institutions by informal employee workers. 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