Carnegie Mellon University


June 13, 2019

Tepper School Ph.D. Student Wins Best Doctoral Student Paper

At the American Accounting Association’s 2019 Mid-Atlantic Region Conference held in Pittsburgh, Pennsylvania on May 2-4, Tepper School doctoral student Cagla Akin was awarded Best Doctoral Student Paper for her paper “Consolidation of Securitization Entities and the Effects on Charitable Lending.”

Akin’s research analyzes banks’ loan lending behavior to small businesses and low-income borrowers. Exploring how these low-income borrowers are affected by federal regulations, the paper investigates the effects caused by the Community Reinvestment Act, a law designed to help meet the credit needs of low- and moderate-income neighborhoods.

She found there is a 9.4 percent decrease in those borrowers’ credit supply. Akin notes this is a “Negative spillover effect… as those borrowers are already the most constrained ones in terms of financial resources.”

In addition to her own research efforts, she credits the award to the structure of the Tepper Ph.D. program for giving her the skills and tools researchers need. “Here at Tepper, I learned how to think critically, approach facts skeptically, tackle problems tenaciously, and communicate more effectively.” 

Akin started her Ph.D. in Accounting at Carnegie Mellon University in 2016 after a short time as a Financial Adviser at Deloitte following her undergraduate studies at Bilkent University in Turkey. 

Akin was drawn to Tepper because of its prestige and interdisciplinary research environment. “Faculty members from other departments are always welcoming and encouraging when we want to work with them,” she said.

After earning her Ph.D. in Accounting here at Tepper, Akin has not yet decided on a specific role or destination for her career. However, she aims to work towards a meaningful cause and to make a direct impact on society. “As an academic researcher, I have always sought to work on problems that have the potential to improve people’s well-being,” she explains.