Bank Lending - Publications - Faculty & Research

21 Dec 2009
Research & Ideas

Good Banks, Bad Banks, and Government’s Role as Fixer

assets seems to be based on the assumption that banks are the primary originator of new loans. In fact, banks accounted for only 22 percent of the credit extended in the United States. The main cause of... View Details

Keywords: by Roger Thompson; Banking; Banking

March 2024 (Revised June 2024)
Case

Kashat: Navigating the Uncertainties of the Egyptian Fintech Market

By: Paul A. Gompers and Ahmed Dahawy

Karim Nour, the founder of Kashat, an Egyptian nano-lending fintech company, is contemplating how to manage the growth of his startup. Over the summer of 2022, Kashat's loan disbursements had grown by nearly 40%, fueled by macroeconomic instability in Egypt. However,... View Details

Keywords: Fintech; Business Model; Developing Countries and Economies; Acquisition; Business Exit or Shutdown; Mobile and Wireless Technology; Business Growth and Maturation; Business Startups; Financing and Loans; Capital; Banking Industry; Banking Industry; Egypt

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31 Jul 2020
Blog Post

Building a DTC Brand Through COVID

Farah Azmi is a rising EC student at HBS and proud member of Section B. Farah spent her undergrad at University of Utah, majoring in finance. She worked at Barclays in investment banking and after at Tommy Hilfiger in corporate strategy.... View Details

21 May 2020
Blog Post

Creating a World with Trusted Leaders: An Open Letter from MBA Students

born just three weeks earlier on a Zoom call with their Public Entrepreneurship professor Mitch Weiss. Along with about 15 fellow classmates, they expressed feelings of helplessness for the world around them. On the call, I recounted a story I heard about a View Details

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Behavioral Finance & Financial Stability

national banks from state laws against predatory lending by the Office of the Comptroller of the Currency (OCC) as a quasi-experiment to study the effect of deregulation and its interaction with competition... View Details

24 Jul 2012
First Look

First Look: July 24

an Experiment with Commercial Bank Loan Officers Authors:Shawn Cole, Martin Kanz, and Leora Klapper Abstract This paper uses a series of experiments with commercial bank loan officers to test the effect of... View Details

Keywords: Sean Silverthorne

02 Apr 2013
Working Paper Summaries

Monitoring and the Portability of Soft Information

Keywords: by Dennis Campbell & Maria Loumioti; Banking

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Global Impact of the Collapse | Baker Library | Bloomberg Center | Harvard Business School

Introduction 1840s – 1880s General Merchants to Commodities Brokers 1880s – 1920s Investment Banking & Securities Underwriting 1920s – 1960s Investing in Emerging Industries 1850–1968 Lehman Brothers Family Partners 1960s – 2000s... View Details

30 Apr 2024
Book

When Managers Set Unrealistic Expectations, Employees Cut Ethical Corners

Bridgestone/Firestone (2000), related party transactions and accounting fraud at Enron (2001), accounting fraud at WorldCom (2002), corrupt payments at Siemens (2007), mortgage lending abuses at Countrywide Financial (2006) and Wall... View Details

Keywords: by Dina Gerdeman

11 Jun 2013
First Look

First Look: June 11

This note describes the development and the current state of the inventory-based lending industry. Purchase this case: http://hbr.org/search/612057-PDF-ENG Harvard Business School Case 713-073 Monetary Policy and View Details

Keywords: Carmen Nobel

25 May 2023
News

Brazil’s Nubank Turns 10

Guilherme Lago (MBA 2005) Guilherme Lago (MBA 2005) Ten years after its founding, the Brazilian digital banking startup Nubank recorded all-time record revenues ($1.6 billion) in the first quarter of 2023—doubling its performance over last year, according to The... View Details

Keywords: Funds, Trusts, and Other Financial Vehicles; Finance

21 Nov 2022
Research & Ideas

Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers

from a US aggregator for 10 million individual transactions from January 2010 to May 2021 among merchants, providers, and consumer bank accounts. The authors then analyzed a sample of 400,000 consumers, half who used BNPL and half who... View Details

Keywords: by Rachel Layne; Retail; Financial Services; Technology

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Bankruptcy | Baker Library | Bloomberg Center | Harvard Business School

Introduction 1840s – 1880s General Merchants to Commodities Brokers 1880s – 1920s Investment Banking & Securities Underwriting 1920s – 1960s Investing in Emerging Industries 1850–1968 Lehman Brothers Family Partners 1960s – 2000s... View Details

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Finance - Faculty & Research

and Christopher Clayton April 2025 | Article | Journal of Finance We model the optimal resolution of insolvent firms in general equilibrium. Collateral-constrained banks lend to (i) solvent firms to finance... View Details

24 Sep 2013
First Look

First Look: September 24

external funds. Conditional on issuance of new debt, we interpret firms' switching from loans to bonds as a contraction in bank credit supply. We find strong evidence of substitution from loans to bonds at times characterized by tight... View Details

Keywords: Sean Silverthorne

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Podcast - Business & Environment

climate goal instead of net zero, and how they plan to achieve it. She also describes how Seventh Generation is going beyond a carbon footprint to measure its carbon fingerprints that touch every aspect of their business, from banking to... View Details

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Research - Behavioral Finance & Financial Stability

research here , and Jeffrey’s other research here . More Info Loan types and the bank lending channel By: Victoria Ivashina , Luc Laeven & Enrique Moral-Benito MAR 2022 There are four main types of... View Details

12 Jan 2023
News

‘Debiasing’ Debt with Data

institutions, he says, and small-business lending is one of the least automated parts of the U.S. banking system. That means it relies mostly on commercial bankers making personal judgments about borrowers.... View Details

Keywords: Ralph Ranalli

03 Mar 2009
First Look

First Look: March 3, 2009

auditors, and financial analysts. Purchase this case: http://www.hbsp.harvard.edu/b01/en/common/item_detail.jhtml?id=109039 The Federal Reserve and the Banking Crisis of 1931 Harvard Business School Case 709-040 In early October 1931, in... View Details

Keywords: Martha Lagace

17 Aug 2010
First Look

First Look: August 17

increases sharply during peaks of private equity cycles. Deals done by bank-affiliated groups are financed at significantly better terms than other deals when the parent bank is part of the lending... View Details