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  • Article

Financial Shame Spirals: How Shame Intensifies Financial Hardship

By: Joe J. Gladstone, Jon M. Jachimowicz, Adam Eric Greenberg and Adam D. Galinsky
Financial hardship is an established source of shame. This research explores whether shame is also a driver and exacerbator of financial hardship. Six experimental, archival, and correlational studies (N = 9,110)—including data from customer bank account histories and... View Details
Keywords: Financial Hardship; Financial Decision-making; Shame; Guilt; Personal Finance; Financial Condition; Decision Making; Emotions
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  • November 2019
  • Article

Many Medicare Beneficiaries with Serious Illness Report Financial Hardships Despite Coverage

By: Michael Anne Kyle, Robert J Blendon, John M Benson, Melinda K Abrams and Eric C Schneider
In a national survey, seriously ill Medicare beneficiaries described financial hardships resulting from their illness—despite high beneficiary satisfaction with Medicare overall and the fact that many have supplemental insurance. About half reported a serious problem... View Details
Keywords: Medicare; Health Care and Treatment; Cost; Financial Condition
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  • 04 Nov 2019
  • News

Survey: Seriously ill Medicare beneficiaries can face considerable financial hardship

  • July 2020
  • Article

Higher Economic Inequality Intensifies the Financial Hardship of People Living in Poverty by Fraying the Community Buffer

By: Jon M. Jachimowicz, Barnabas Szaszi, Marcel Lukas, David Smerdon, Jaideep Prabhu and Elke U. Weber
The current research investigates whether higher economic inequality disproportionately intensifies the financial hardship of low-income individuals. We propose that higher economic inequality increases financial hardship for low-income individuals by reducing their... View Details
Keywords: Economic Inequalty; Economy; Income; Equality and Inequality; Poverty; Civil Society or Community
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  • Web

From the Chief Financial Officer - Annual Report 2020

economic instability—the MBA Program has strengthened its commitment to a diverse and engaged HBS community. To ensure that applicants have the appropriate resources to succeed at the School, the MBA Program plans to increase its View Details
  • 27 Oct 2021
  • News

If Money Is Tight, That’s Nothing to Be Ashamed Of

  • 05 Jan 2021
  • Cold Call Podcast

Using Behavioral Science to Improve Well-Being for Social Workers

Keywords: Re: Ashley V. Whillans
  • 25 Jan 2022
  • Research & Ideas

More Proof That Money Can Buy Happiness (or a Life with Less Stress)

structures—and the way many of us think about financial difficulties—is crucial. After all, society as a whole may feel the ripple effects of the financial hardships some... View Details
Keywords: by Michael Blanding
  • 2013
  • Working Paper

The Impact of Conformance and Experiential Quality on Healthcare Cost and Clinical Performance

By: Claire Senot, Aravind Chandrasekaran, Peter T. Ward and Anita L. Tucker
The quality of operational processes is an important driver of performance in hospitals. In particular, processes that reliably deliver both evidence-based and patient-centered care, which we call conformance and experiential quality, respectively, have been argued to... View Details
Keywords: Healthcare; Experiential Quality; Conformance Quality; Clinical Outcomes; Cost Efficiency; Quality; Service Operations; Health Care and Treatment; Performance; Outcome or Result; Health Industry
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    Do Networks Help People To Manage Poverty?

    Social support networks can provide much-needed emotional, material, and financial help for people living in poverty, yet little is known about how social capital is created and augmented within such networks. Further, these networks can be eroded by sustained... View Details

    • 14 Sep 2021
    • Blog Post

    Top 5 Myths About HBS

    we have a very generous financial aid program that's based on need, not on merit, but focused on who needs this money in order to access graduate school. This year we introduced a need-based application fee waiver, so that if the fee to... View Details
    • June 2006 (Revised April 2024)
    • Case

    Creditor Activism in Sovereign Debt: 'Vulture' Tactics or Market Backbone

    By: Laura Alfaro and Ingrid Vogel
    The role of distressed debt funds, also known as "vulture funds," in sovereign debt restructuring was a hotly debated topic, especially after the success of Elliot Associates in converting an $11 million investment in Peruvian bonds worth $21 million into a $58 million... View Details
    Keywords: Vulture Funds; Borrowing and Debt; Bonds; Investment Activism; Investment Funds; Sovereign Finance; Government and Politics; Contracts; Business and Government Relations; Peru
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    • Web

    Application Process - MBA

    genuine financial hardship from paying the $250 fee may submit a request for a need-based application fee waiver . You can access the waiver request form after you start your application. * 2+2 Deferred... View Details
    • Web

    Named Fellowship Funds - Alumni

    established at the School during the past 15 years. We warmly welcome and celebrate the most recent members of our financial aid donor community whose funds are highlighted. To learn more about the impact of View Details
    • Web

    The Forgotten Real Estate Boom - Bubbles, Panics & Crashes – Historical Collections – Harvard Business School

    of our current subprime mortgage collapse, economists and historians interested in the role of real estate markets in past financial crises are reexamining the relationship of the first asset-price bubble of the 1920s with the later stock... View Details
    • Web

    1.11 Leaves of Absence - MBA

    Projects 1.18 FIELD Global Capstone 1.19 Immersive Field Courses (IFC) 1.20 Joint Degree Programs 1.21 Use of Course Work & Materials 1.22 Disability Access 1.23 Pregnancy, Childbirth & Adoption during Business School 1.24 Commencement 2. Integrity & Standards of... View Details
    • 16 Jun 2020
    • Research & Ideas

    Your Customers Have Changed. Here's How to Engage Them Again.

    perform better than firms who just connect with their customers physically. Recognize financial constraints. Many customers are facing financial hardship caused by layoffs,... View Details
    Keywords: by Rohit Deshpandé, Ofer Mintz, and Imran S. Currim; Retail; Service
    • 31 Jan 2023
    • Op-Ed

    Can Insurance Technology Solve the Uninsured Driver Problem?

    Despite mandates requiring motorists to carry car insurance, 13 percent of US drivers operate vehicles without any coverage—a problem that exposes uninsured drivers to catastrophic financial risks and leads to higher premiums for insured... View Details
    Keywords: by Ray Kluender; Insurance
    • 17 Sep 2013
    • First Look

    First Look: September 17

    by highlighting that although hospitals may need to persevere through a short-term financial hardship to achieve high levels of both conformance and experiential quality, View Details
    Keywords: Sean Silverthorne
    • Web

    Celebrating Socioeconomic Diversity and Inclusion at HBS (Part 1) - MBA

    Business & Environment Career Change Career and Professional Development Case Method Clubs Curriculum Digital Entrepreneurship FIELD Financial Aid Health Care Instagram Takeover JD/MBA Leadership Letters to Classmates MBA/MPP & MBA/MPA-ID... View Details