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  • 26 Jan 2021
  • Research & Ideas

A New Way to Cut Credit Card Debt: Pay Off One Purchase at a Time

A novel approach to repaying debt could help consumers free themselves from crushing credit card balances faster, according to new research. Rather than asking borrowers to make payments toward their total balances, Harvard Business... View Details
Keywords: by Kristen Senz; Financial Services
  • August 2012
  • Article

A Darker Side to Decentralized Banks: Market Power and Credit Rationing in SME Lending

By: Rodrigo Canales and Ramana Nanda
We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks-where branch managers have greater autonomy over lending decisions-give larger loans to small firms and those with "soft... View Details
Keywords: Geographic Location; Customers; Financing and Loans; Credit; Organizational Structure; Banks and Banking; Governance Compliance; Competitive Strategy
Related
  • June 2024
  • Teaching Plan

Teaching Plan: EKI Energy Services: One Billion Carbon Credits

By: George Serafeim
Teaching Plan for HBS Case No. 123-060. View Details
Related
  • July 1998
  • Article

International Overborrowing: A Decomposition of Credit and Currency Risks

By: Ronald I. McKinnon and Huw Pill
Related
  • September 1994 (Revised March 1995)
  • Supplement

Citibank: Launching the Credit Card in Asia Pacific (B)

By: V. Kasturi Rangan
Documents the decision taken by Citibank managers in 1989 regarding a new product. View Details
Keywords: Credit Cards; Banking Industry; Asia; Oceania
Related
  • 15 Aug 2018
  • News

Put away that credit card. You need to use cash more

  • 28 Aug 2014
  • Op-Ed

Government Can Do More to Unfreeze Small Business Credit

(Editor's note: This is the third in a series of articles based on a Harvard Business School working paper by Karen Mills that analyzes the current state of availability of bank capital for small business.) Access to credit is critical to... View Details
Keywords: by Karen Mills; Banking
  • May 2, 2014
  • Article

If You're Feeling Unappreciated, Give Someone Else Credit

By: Josh Baron and Rob Lachenauer
Conflict in a family business can escalate quickly, but it's crucial to avoid it whenever possible. The article emphasizes recognizing the signs of escalating conflict and taking steps to prevent it. When disagreements arise, people often resort to legal action, which... View Details
Keywords: Conflict and Resolution; Family Business
Related
  • 24 Jul 2008
  • News

Bush pins credit mess on 'drunk' Wall Street

    Affordable Housing and Low Income Housing Tax Credits

    This background note explores the basic themes surrounding the government's approach to providing housing: namely its shift from a supplier and builder of affordable housing to an approach that focuses on demand-side solutions and indirect subsidies to private... View Details
    • Article

    Credit Access and Social Welfare: The Rise of Consumer Lending in the United States and France

    By: Gunnar Trumbull
    Research into the causes of the 2008 financial crisis has drawn attention to a link between growing income inequality in the United States and high household indebtedness. Most accounts trace the U.S. idea of credit-as-welfare to the period of wage stagnation and... View Details
    Keywords: Household Finance; Welfare State; Credit; Personal Finance; Welfare; Borrowing and Debt; France; United States
    Related
    • 07 Apr 2016
    • News

    Bain Capital Promotes Four, Renames Hedge Fund, Credit Units

    Keywords: Bain; Funds, Trusts, and Other Financial Vehicles; Finance
    • 07 May 2019
    • News

    Canceling student debt has an extraordinary effect on people’s income and credit worthiness

    • March 1995 (Revised June 1997)
    • Teaching Note

    Citibank: Launching the Credit Card in Asia Pacific (A) TN

    By: V. Kasturi Rangan and Marie Bell
    Teaching Note for (9-595-026). View Details
    Keywords: Credit Cards; Banking Industry; Asia; Oceania
    Related
    • 28 Aug 2014
    • News

    Government Can Do More to Unfreeze Small Business Credit

    • 05 May 2010
    • News

    Burned by credit raters, Europe considers starting its own

    • 2008
    • Working Paper

    A Darker Side to Decentralized Banks: Market Power and Credit Rationing in SME Lending

    By: Rodrigo Canales and Ramana Nanda
    We use loan-level data to study how the organizational structure of banks impacts small business lending. We find that decentralized banks—where branch managers have greater autonomy over lending decisions—give larger loans to small firms and those with "soft... View Details
    Keywords: Organizational Structure; Financing and Loans; Industry Structures; Banks and Banking; Banking Industry; Mexico
    Related
    • Web

    Buy Now, Pay Later: The Secondary Credit Market

    HBS Quick Links MBA Executive Education Doctoral Programs Faculty and Research Alumni HBS Publishing Site Index HBS Home Contact Us Map/Directions Introduction Credit in Pre-Industrial Society Credit and the... View Details
    • Web

    Site Credits - Photography Collections - Historical Collections

    Collections Site Credits Site Credits Content : Melissa Banta, Rachel Wise Editing : Julia Collins, Katherine Fox Web Design and Production : Alex Taylor, Big Ring Design Web Project Team : Katherine Fox,... View Details
    • Web

    Site Credits - The Art of American Advertising

    Education Alumni Baker Library Historical Collections Visual Resources More Exhibits Exhibition Gallery Research Links Site Credits The Art of American Advertising 1865 - 1910 Research Links Bibliography Site View Details