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- All HBS Web (653)
- Faculty Publications (305)
Show Results For
- All HBS Web (653)
- Faculty Publications (305)
- March 1997 (Revised January 1999)
- Case
SureCut Shears, Inc.
By: W. Carl Kester
A bank loan officer must determine whether to waive convenants and extend terms on a line of credit granted to SureCut Shears. At issue is whether the inability of SureCut to pay down its line of credit is due to a temporary cyclical downturn or other long-term... View Details
Kester, W. Carl. "SureCut Shears, Inc." Harvard Business School Case 297-013, March 1997. (Revised January 1999.)
Kyle Schirmann
Kyle Schirmann is a doctoral student in the Strategy unit at Harvard Business School. His primary interests are science-based innovation in the Global South and the creative and cultural industries. Before joining HBS, Kyle worked as a software engineer at Bloomberg... View Details
- 2006
- Other Unpublished Work
Does Banks' Corporate Control Benefit Firms? Evidence from US Banks' Control over Firms' Voting Rights
By: Joao A.C. Santos and Kristin Wilson
In this paper we examine the importance of banks' corporate control over their borrowers by investigating the loan pricing effect of banks' voting stakes in borrowers. We exploit the fact that banks may hold shares of firms in a fiduciary capacity to identify a clean... View Details
Santos, Joao A.C., and Kristin Wilson. "Does Banks' Corporate Control Benefit Firms? Evidence from US Banks' Control over Firms' Voting Rights." American Finance Association, 2006.
- October 2019
- Article
Partial Deregulation and Competition: Effects on Risky Mortgage Origination
By: Marco Di Maggio, Amir Kermani and Sanket Korgaonkar
We exploit the OCC's preemption of national banks from state laws against predatory lending as a quasi-experiment to study the effect of deregulation and its interaction with competition on the supply of complex mortgages. Following the preemption ruling, national... View Details
Keywords: Great Recession; Subprime; Complex Mortgages; Credit Supply; Household Debt; Preemption Rule; Competition; Mortgages; Government Legislation; Credit; Financial Crisis
Di Maggio, Marco, Amir Kermani, and Sanket Korgaonkar. "Partial Deregulation and Competition: Effects on Risky Mortgage Origination." Management Science 65, no. 10 (October 2019).
- October 2014 (Revised June 2016)
- Case
MasterCard: Driving Financial Inclusion
By: Sunil Gupta, Rajiv Lal and Natalie Kindred
MasterCard CEO Ajay Banga was investing significant time and attention to increase financial inclusion among individuals with historically no access to banking or financial services in countries around the world with large underserved populations. The effort included... View Details
Keywords: Marketing; Financial Services; Financial And Social Return; Financial Inclusion; Strategic Management; South Africa; Nigeria; Ajay Banga; Marketing Strategy; Social Marketing; Banking Industry; Banking Industry; South Africa; Nigeria
Gupta, Sunil, Rajiv Lal, and Natalie Kindred. "MasterCard: Driving Financial Inclusion." Harvard Business School Case 515-035, October 2014. (Revised June 2016.)
- February 2016
- Case
BancoSol and Microfinance in Bolivia
By: Rajiv Lal and Annelena Lobb
BancoSol, a microfinance bank headquartered in La Paz, Bolivia, was forced to adjust its lending strategy and business model because of a regulatory change—60% of the bank's lending portfolio would have to move to the productive sector of the Bolivian economy by 2018,... View Details
Keywords: Microfinance; Banks and Banking; Governing Rules, Regulations, and Reforms; Business Model; Strategy; South America; Bolivia
Lal, Rajiv, and Annelena Lobb. "BancoSol and Microfinance in Bolivia." Harvard Business School Case 516-005, February 2016.
- February 1995 (Revised September 1995)
- Case
The Bourland Companies
By: William J. Poorvu and John H. Vogel Jr.
Michael Bourland, the president of the Bourland Companies, needs to refinance two properties, an office building in southern New Hampshire and a retail property in Massachusetts. He is considering three alternatives: a renewal of a bank mini-perm, a 15-year mortgage... View Details
Keywords: Capital Markets; Property; Mortgages; Family Business; Financial Management; Family Ownership; Real Estate Industry; Massachusetts; North and Central America
Poorvu, William J., and John H. Vogel Jr. "The Bourland Companies." Harvard Business School Case 395-151, February 1995. (Revised September 1995.)
- February 2009
- Background Note
An Introduction to Consumer Credit
By: Peter Tufano
This note reviews a variety of shorter-term consumer credit products in the U.S. with an emphasis on the types of products that low- and moderate-income consumers use. Included here are the following: credit cards, bank overdraft products, payday lending, personal... View Details
Tufano, Peter, Andrea Ryan, and Daniel Schneider. "An Introduction to Consumer Credit." Harvard Business School Background Note 209-107, February 2009.
- 16 Mar 2018
- News
Fundbox Wants to Be Paypal for Small Businesses.
- April 1980 (Revised December 1991)
- Case
Hampton Machine Tool Co.
A bank lending officer must decide whether to extend and increase a loan to a small machine tool company. Case provides sufficient data for preparation of cash budgets and pro forma financial statements in order to analyze the lending officer's problem. Other issues... View Details
Keywords: Machinery and Machining; Financing and Loans; Financial Statements; Manufacturing Industry
Mullins, David W., Jr. "Hampton Machine Tool Co." Harvard Business School Case 280-103, April 1980. (Revised December 1991.)
- July 2010 (Revised August 2021)
- Supplement
Vereinigung Hamburger Schiffsmakler und Schiffsagenten e.V. (VHSS): Valuing Ships (CW)
By: Benjamin C. Esty and Albert W. Sheen
After booming for more than five years, the global shipping (maritime) industry experienced a dramatic crash in late 2008 as the global financial system froze and the global economy slid into recession. Ship charter rates (revenue) fell by as much as 90% causing prices... View Details
- May 2018 (Revised January 2019)
- Teaching Note
Lind Equipment
By: Richard S. Ruback, Royce Yudkoff and Ahron Rosenfeld
Teaching Note for HBS No. 212-012. Lind Equipment, a Canadian manufacturer and distributor of industrial electrical safety equipment, was purchased in December 2007 by Brian Astl (HBS 2006) and Sean Van Doorselaer. Lind’s performance was negatively impacted by the... View Details
- 19 May 2015
- News
Small Business Lending: The World Has Changed
- April 2007
- Case
Microfinance in Bolivia: A Meeting with the President of the Republic
By: Michael Chu
Herbert Muller, chair of leading microfinance bank BancoSol, has met with Evo Morales one year after the populist leader's inauguration as president of Bolivia and proceeds to write an email to his fellow board directors. The bank is world famous for pioneering... View Details
Keywords: Risk and Uncertainty; Race; Government Administration; Business and Government Relations; Microfinance; Poverty; Interest Rates; Banks and Banking; Financial Services Industry; Bolivia; South America
Chu, Michael. "Microfinance in Bolivia: A Meeting with the President of the Republic." Harvard Business School Case 307-107, April 2007.
- 2010
- Other Unpublished Work
Why Takeover Vulnerability Matters to Debtholders
By: Joan Farre-Mensa
Recent work documents that firms that are more vulnerable to takeover have higher borrowing costs. This paper investigates the reasons behind this stylized fact. My results show that firms with few antitakeover defenses face a higher cost of debt because lenders are... View Details
Keywords: Acquisition; Borrowing and Debt; Cost; Equity; Banks and Banking; Investment Portfolio; Risk Management; Agreements and Arrangements; Business and Shareholder Relations; Conflict and Resolution
Farre-Mensa, Joan. "Why Takeover Vulnerability Matters to Debtholders." 2010.
- June 2017
- Article
The Political Economy of Financial Innovation: Evidence from Local Governments
By: Christophe Pérignon and Boris Vallée
We examine the toxic loans sold by investment banks to local governments. Using proprietary data, we show that politicians strategically use these products to increase chances of being re-elected. Consistent with greater incentives to hide the cost of debt, toxic loans... View Details
Pérignon, Christophe, and Boris Vallée. "The Political Economy of Financial Innovation: Evidence from Local Governments." Review of Financial Studies 30, no. 6 (June 2017): 1903–1934.
- September 2012 (Revised July 2013)
- Case
Can the Eurozone Survive?
By: Dante Roscini and Jonathan Schlefer
The sovereign debt crisis that took Greece by storm in 2010 began to spread to other European markets. Within a few months Ireland and Portugal had also lost access to the sovereign debt markets and had to rely on supranational loans for their financing. The risk of... View Details
Keywords: Sovereign Debt Crisis; Currency Areas; Financial Crisis; Borrowing and Debt; Currency Exchange Rate; International Relations; Banking Industry; European Union; Germany; France; Italy; Spain; Greece; Portugal
Roscini, Dante, and Jonathan Schlefer. "Can the Eurozone Survive?" Harvard Business School Case 713-034, September 2012. (Revised July 2013.)
- June 2010 (Revised August 2021)
- Case
Vereinigung Hamburger Schiffsmakler und Schiffsagenten e.V. (VHSS): Valuing Ships
By: Benjamin C. Esty and Albert Sheen
After booming for more than five years, the global shipping (maritime) industry experienced a dramatic crash in late 2008 as the global financial system froze and the global economy slid into recession. Ship charter rates (revenue) fell by as much as 90% causing prices... View Details
Keywords: Fair Value Accounting; Financial Crisis; Capital Markets; Financial Liquidity; International Finance; Globalized Markets and Industries; Valuation; Banking Industry; Banking Industry; Germany
Esty, Benjamin C., and Albert Sheen. "Vereinigung Hamburger Schiffsmakler und Schiffsagenten e.V. (VHSS): Valuing Ships." Harvard Business School Case 210-058, June 2010. (Revised August 2021.)
- 2022
- Chapter
Lessons Learned from Support to Business during COVID-19
By: Gabriel Chodorow-Reich, Benjamin Iverson and Adi Sunderam
The authors survey the new federal subsidies and loans provided to businesses in the first year of the pandemic—including the Paycheck Protection Program (PPP), the Economic Injury Disaster Loan (EIDL) program, and aid targeted at specific industries such as airlines... View Details
Chodorow-Reich, Gabriel, Benjamin Iverson, and Adi Sunderam. "Lessons Learned from Support to Business during COVID-19." Chap. 4 in Recession Remedies: Lessons Learned from the U.S. Economic Policy Response to COVID-19, edited by Wendy Edelberg, Louise Sheiner, and David Wessel, 123–162. Brookings Institution Press, 2022.