Publications

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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

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05 May 2022
Blog Post

Celebrating Asian American & Pacific Islander Heritage Month at HBS

and diversity of the AAPI experience and inspire hope for a world of empathy, compassion, and courage. Keven Wang (MBA 2022) October 31, 2001. For the first time in my life, I stepped foot onto a land I did not call my own. To give me a... View Details

25 Feb 2016
Blog Post

Alumni: Where Are They Now? Featuring: Maria (Brewer) Palma...

Current Position: Director of Platform (RRE Ventures); formerly, Executive Director of Business Development (Eyeview) Current Location: New York, NY Tell us what you're up to these days. I recently moved into the venture world as Director... View Details

Keywords: Entrepreneurship

09 Mar 2009
Research & Ideas

How to Revive Health-Care Innovation

fundamental question: How do we make health care affordable? Most disruptions have three enablers: a simplifying technology, a business model innovation, and a disruptive value network. The technological enabler transforms a technological... View Details

Keywords: by Clayton M. Christensen, Jerome H. Grossman, M.D. M.D. & Jason Hwang; Health

17 Jun 2014
First Look

First Look: June 17

vision for "The Internet of Everything (IOE)," a world where nearly all physical objects, places, people, and processes were connected through the Internet, Cisco estimated that 75% to 90% of all IT workers needed to be... View Details

Keywords: Sean Silverthorne

06 Feb 2014
HBS Seminar

Karthik Ramanna, Harvard Business School

The Money of Invention: How Venture Capital Creates New Wealth

When the economy was booming and dot-coms were flying high, venture capitalists were admired as impresarios of innovation. Then the market tanked, start-ups fizzled, and those same deal-makers were rebuked as predators out for a quick score. So... View Details

2017
Working Paper

A Welfarist Role for Nonwelfarist Rules: An Example with Envy

By: Matthew Weinzierl

I propose and formalize an argument for why economists working in the welfarist normative tradition should include nonwelfarist principles in how they judge economic policy. The key idea behind this argument is that the world is too complex, and our ability to model it... View Details

Keywords: Ethics; Policy; Economics

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July 2022 (Revised February 2025)
Case

A Soul and a Service: North Carolina Mutual Life Insurance

By: Tom Nicholas and John Masko

The North Carolina Mutual and Provident Association (the Mutual) was founded in 1898 as a for-profit entity selling life insurance catering to the Black community. The Mutual was entering a field crowded with established White-owned competitors that largely refused to... View Details

Keywords: Black Entrepreneurs; Insurance; History; Race; Prejudice and Bias; Entrepreneurship; Decision Choices and Conditions; Growth and Development Strategy; Insurance Industry; United States

July 2020 (Revised January 2021)
Case

Vineet Nayar and Sampark Foundation: Frugal Innovation at Scale (A) (Abridged)

By: Linda A. Hill and Emily Tedards

In 2005, Vineet Nayar, the former CEO and Vice Chairman of HCL Technologies, and his wife, Anupama Nayar, committed $100 million of their personal wealth to found Sampark Foundation—a grant-making philanthropy with a mission to transform learning outcomes for 20... View Details

Brand-new markets are like the wormholes of science fiction, where the usual rules of time and space do not apply. When a market has just been born, the forces of competition there are constantly in flux, it's unclear who your customers really are, and conventional... View Details

Web

MS/MBA Biotechnology: Life Sciences | MBA

duration: 2:50 The 21st Century will be the century of transformational discoveries in the life sciences. To bring these discoveries to patients, the world needs business leaders working at the intersection of science and society, with... View Details

04 Apr 2011
Research & Ideas

Attention Medical Shoppers: What Health Care Can Learn from Walmart and Amazon

average wait for a primary care visit in Massachusetts, world renowned for its medical facilities, is a whopping 50 days. Only 3 percent of American physicians regularly e-mail their patients, less, he said, than the percentage of priests... View Details

Keywords: by Carmen Nobel; Health

December 2012 (Revised August 2013)
Case

Nestlé: Agricultural Material Sourcing Within the Concept of Creating Shared Value (CSV)

By: Ray A. Goldberg and Lorin A. Fries

Corporate Head of Agriculture Hans Jöhr's mind raced in anticipation of the executive board meeting that afternoon. Jöhr recognized the meeting as a key opportunity to strategize far into the future, reexamining how his team's efforts in sustainable agricultural... View Details

Keywords: Agribusiness; Value Creation; Quality; Supply Chain Management; Social Issues; Environmental Sustainability; Problems and Challenges; Growth and Development Strategy; Agriculture and Agribusiness Industry; Health Industry

27 Jul 2023
Blog Post

Buy Big, Sell Small

distribution model by providing a digital platform where shop owners can order fast-moving consumer goods online or by phone from local wholesalers who combine their orders with others from nearby kiranas. “We’re like a Costco or Sam’s... View Details

July 2021 (Revised August 2021)
Supplement

Airbnb Emerges from the Pandemic: Lessons for Stakeholder Governance (B)

By: Benjamin C. Esty and Allison M. Ciechanover

As the COVID pandemic spread in early 2020, global travel ground to a halt. For Airbnb, the San Francisco-based platform for renting accommodations, the impact was both swift and severe as revenues plummeted more than 70% over the prior year. Responding to the sudden... View Details

Keywords: Business and Stakeholder Relations; Corporate Governance; Crisis Management; Leadership; Two-Sided Platforms; Corporate Social Responsibility and Impact; Mission and Purpose; Value Creation; Decision Making; Goals and Objectives; Travel Industry; Tourism Industry; Service Industry; United States

July 2020 (Revised January 2021)
Case

Vineet Nayar and Sampark Foundation: Frugal Innovation at Scale (A)

By: Linda A. Hill and Emily Tedards

In 2005, Vineet Nayar, the former CEO and Vice Chairman of HCL Technologies, and his wife, Anupama Nayar, committed $100 million of their personal wealth to found Sampark Foundation — a grant-making philanthropy with a mission to transform learning outcomes for 20... View Details