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- All HBS Web (447)
- Faculty Publications (170)
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- 21 Nov 2022
- Research & Ideas
Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers
curbing spending habits just as the number of defaults on BNPL loans creep higher. Add in a potential recession and the authors question whether the model might prove to be riskier for consumers, investors, and retailers in the future.... View Details
- 31 Aug 2015
- Research & Ideas
How Ben Franklin’s ‘Way to Wealth’ Introduced American Capitalism to the World
commonsense default rather than sleeping late and eating berries? How did it become normal to work more than what is necessary for survival? This was one of the texts that helped canonize and codify the basic ingredients of capitalism.”... View Details
Keywords: by Julia Hanna
- October 2020
- Case
HOPE and Transformational Lending: Netflix Invests in Black Led Banks
By: John D. Macomber and Janice Broome Brooks
Following the killing of George Floyd on Memorial Day in 2020, the large US corporation Netflix elected to make a "transformational deposit" of $10 million into Hope Credit Union (HCU), a small Black led community development finance institution (CDFI) based in... View Details
- 2014
- Case
Microfinance Services in Rural Areas--Farmers' Self-reliance Branch of CFPA Microfinance in Shangyi County
By: F. Warren McFarlan, Siqun Yang and Meihua Shen
Microfinance is introduced into China in the 1990s. It had gone through 3 phases since the beginning, namely the pilot phase when all Microfinance practices are sponsored by charity funds based on projects, the promotion phase when the government subsidized some... View Details
McFarlan, F. Warren, Siqun Yang, and Meihua Shen. "Microfinance Services in Rural Areas--Farmers' Self-reliance Branch of CFPA Microfinance in Shangyi County." 2014.
- 25 Oct 2020
- Research & Ideas
The Dark Side of Fintech Borrowing
Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than people with similar credit profiles borrowing from traditional banks, according to recent... View Details
- 12 May 2021
- Book
The Hard Truth About Being a CEO
About the Author Michael Blanding is a writer based in Boston. [Image: iStockphoto/LL28] What's the best management advice you've heard? Share your insights in the comments below. Book Excerpt Five Ways To Keep Connected By David Fubini CEOs can slip into an isolated... View Details
Keywords: by Michael Blanding
- 07 Feb 2017
- Research & Ideas
The Right Way to Cry in Front of Your Boss
Historically, men’s emotions have been labeled passion or dedication, whereas women’s emotions have been labeled hysteria. Because of those past characterizations, Wolf initially thought that men by default might be seen as more... View Details
Keywords: by Roberta Holland
- 10 Aug 2009
- Research & Ideas
High Commitment, High Performance Management
the middle and lower levels of these firms knew that bad loans were being made and that these would lead to the defaults we have seen. Some tried to tell upper management but were beaten down and eventually fired. This does not happen in... View Details
Keywords: by Martha Lagace
- 05 May 2022
- HBS Case
College Degrees: The Job Requirement Companies Seek, but Don't Really Need
Employers struggling to find workers during the current labor shortage might want to rethink their hiring criteria by taking a new look at job candidates who lack college degrees. American employers have routinely defaulted to requiring... View Details
Keywords: by Jay Fitzgerald
- 10 Mar 2020
- Research & Ideas
The Little Understood Problem Confronting Diverse Workplaces
Ramarajan says. “The default tendency is to withdraw.” But the tutors attempted to engage with students, despite the school’s discouragement of getting too “personal.” For example, one white male tutor told a student who was failing that... View Details
Keywords: by Julia Hanna
- 28 May 2020
- Research & Ideas
Coronavirus Could Create a 'Bankruptcy Pandemic'
as quite possibly record numbers of businesses (and individuals) default on their debt, restructure, or go bankrupt. The number of US business bankruptcy filings in the first quarter of this year is already up substantially over prior... View Details
- 09 Jul 2020
- Research & Ideas
It’s Time to Reset Decision-Making in Your Organization
point, leaders will need to make a determination as to when and how this plan is put into action. Conclusion: Inaction is not an option While the current uncertainty can be daunting for leaders of all types, it is critical not to fall back on inaction as the View Details
Keywords: by Boris Groysberg and Sarah Abbott
- 30 Aug 2004
- Research & Ideas
Real Estate: The Most Imperfect Asset
the building gets built and (hopefully) leased. I have another case I am working on with HBS professor Dan Bergstresser on a real estate mortgage bank in Argentina that restructured itself during the country's recent collapse—the greatest View Details
- 01 Oct 2009
- Working Paper Summaries
Systemic Risk and the Refinancing Ratchet Effect
- 28 Feb 2023
- Research & Ideas
Can Apprenticeships Work in the US? Employers Seeking New Talent Pipelines Take Note
Many American companies have made a four-year degree a default qualification for entry-level jobs, elevating an expensive university education—with a smattering of internship experience—above paths that might prepare young talent for... View Details
Keywords: by Michael Blanding
- 06 Jun 2007
- Research & Ideas
Behavioral Finance—Benefiting from Irrational Investors
of individual investors and 30 percent of institutional investors appear to be more inertial than logical. They take the default option, passively accepting the shares offered as consideration in stock mergers and acquisitions. In... View Details
Keywords: by Julia Hanna
- 13 May 2013
- Research & Ideas
How to Spot a Liar
play. The second change was that if the receiver rejected the allocator's offer he or she would receive a default amount of $7.50 (or $1.25)—whereas the allocator would get no money at all. Finally, each game included two minutes of... View Details
Keywords: by Carmen Nobel
- 28 Jul 2020
- Research & Ideas
Racism and Digital Design: How Online Platforms Can Thwart Discrimination
people tend to use whatever option is set up as the default, so resetting default options with inclusivity in mind can be a useful strategy. Companies can also consider increasing the prominence of their anti-discrimination policies to... View Details
- 11 Apr 2022
- Research & Ideas
A World of Difference: What Keeps Companies from Becoming More Inclusive
They get clues they need to make sense of, and nobody is an expert by design. It’s great to see what you can achieve as a team, collaboratively, when that is the case. You’re not making assumptions about each other’s expertise or knowledge. You’re not putting people... View Details
Keywords: by Jen McFarland Flint
- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
zero. Consumer confidence has plummeted with the value of 401(k) plans and retirement nest eggs. Retail sales fell 1.2 percent in September, double the expected decline. Car sales are at a fifteen-year low. And credit card defaults look... View Details
Keywords: by John Quelch