Folder name VS File name

Rank from 1-10

[dailypress]

http://example.com/my-key-word/index.htm
VS
http://example.com/my-key-word.htm

Which appears first on a google search for "my key word"?

[theBear]

http://www.example.com/someother-key-words/1234567.zzz

[g1smd]

Never include an index file filename in a link.

It is duplicate content competing against the shorter URL that ends with a trailing / on it.

Using www.domain.com/folder/ is better.