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- All HBS Web (652)
- Faculty Publications (308)
Show Results For
- All HBS Web (652)
- Faculty Publications (308)
- Article
Liability Structure in Small-Scale Finance
By: Fenella Carpena, Shawn Cole, Jeremy Shapiro and Bilal Zia
Microfinance, the provision of small individual and business loans, has experienced dramatic growth, reaching over 150 million borrowers worldwide. Much of the success of microfinance has been attributed to attempts to overcome the challenges of information asymmetries... View Details
Keywords: Microfinance; Emerging Markets; Financial Markets; Legal Liability; Banks and Banking; Banking Industry; India
Carpena, Fenella, Shawn Cole, Jeremy Shapiro, and Bilal Zia. "Liability Structure in Small-Scale Finance." World Bank Economic Review 27, no. 3 (2013): 437–469.
- February 2007 (Revised April 2007)
- Case
Banca Regional Andino: Facing the Globalization of Microfinance
By: Michael Chu and Jean Hazell
Three leading Latin American microfinance banks join forces to face the new challenges of globalization, competition, and politics while common shareholder ACCION investments considers its options. From an initial project to share costs in the revamping of their IT... View Details
Keywords: History; Microfinance; Competitive Strategy; Globalization; Problems and Challenges; Growth and Development; Bolivia; Ecuador; Peru
Chu, Michael, and Jean Hazell. "Banca Regional Andino: Facing the Globalization of Microfinance." Harvard Business School Case 307-060, February 2007. (Revised April 2007.)
Robert C. Merton
Robert C. Merton is the School of Management Distinguished Professor of Finance at the MIT Sloan School of Management.
Merton is University Professor Emeritus at Harvard University and was the George Fisher Baker Professor of... View Details
Clayton S. Rose
Clayton Rose is Baker Foundation Professor of Management Practice. He currently teaches the course Accountability in the Advanced Management Program. His research is focused on the how leaders can manage the challenges created by the intense, varied and often... View Details
Keywords: financial services
The Portfolio Life: How to Future-Proof Your Career, Avoid Burnout, and Build a Life Bigger than Your Business Card
What Color Is Your Parachute? meets Out of Office in this inspiring, practical playbook to achieve sustainable work-life balance while optimizing your happiness, personal growth, and bank accounts.
Pouring yourself into a single... View Details
Pouring yourself into a single... View Details
- March 2021
- Supplement
Making Impact Investing Markets: IFC (B)
By: Shawn A. Cole, John Masko and T. Robert Zochowski
In 2018, Thailand’s Bank of Ayudhya (known as Krungsri), was considering whether to participate in the first issue of a new financial instrument from the International Finance Corporation (IFC), known as a gender bond. Building on the success of the Green Bond program... View Details
Keywords: Impact Investment; Development Economics; Developing Countries and Economies; Borrowing and Debt; Credit; Equity; Bonds; Financing and Loans; Growth and Development; Emerging Markets; Non-Governmental Organizations; Corporate Social Responsibility and Impact; Financial Instruments; Gender; Financial Services Industry; Thailand
Cole, Shawn A., John Masko, and T. Robert Zochowski. "Making Impact Investing Markets: IFC (B)." Harvard Business School Supplement 221-081, March 2021.
- 06 Nov 2018
- First Look
New Research and Ideas, November 6, 2018
cycles. We estimate that over a typical U.S. monetary easing cycle, EME borrowers experience a 32-percentage-point greater increase in the volume of loans issued by foreign banks than do borrowers from... View Details
Keywords: Dina Gerdeman
- April 1996
- Case
Sunshine Villas
By: William J. Poorvu and John H. Vogel Jr.
Ms. Courtney Lowe is president and sole owner of CL Development. She is looking to sell Sunshine Villas to pay off her bank and make a profit. This case is part of a negotiation game simulation that includes Jason Bosworth, Silver Lane Apartments, and Major Insurance... View Details
Poorvu, William J., and John H. Vogel Jr. "Sunshine Villas." Harvard Business School Case 396-329, April 1996.
- November 1978 (Revised June 1985)
- Case
Hanson Industries (B)
By: William J. Bruns Jr. and Julie H. Hertenstein
Provides a complete description of the processes used in preparing a budget (annual operating plan). Starting with basic product line decisions, management prepares a budget that integrates production and marketing within constraints of financial feasibility. The... View Details
Bruns, William J., Jr., and Julie H. Hertenstein. "Hanson Industries (B)." Harvard Business School Case 179-077, November 1978. (Revised June 1985.)
- March 2004 (Revised July 2005)
- Case
ACCION International: Maintaining High Performance Through Time
By: Michael Chu
ACCION International has been a major innovator in microfinance for 30 years. Reviews organizational context under which key industry-shaping concepts were developed (from peer group lending, guarantee funds, equity investment funds, and regulated commercial banking... View Details
Keywords: Joint Ventures; Equity; Microfinance; Employee Relationship Management; Non-Governmental Organizations
Chu, Michael. "ACCION International: Maintaining High Performance Through Time." Harvard Business School Case 304-095, March 2004. (Revised July 2005.)
- 02 Apr 2013
- Working Paper Summaries
Monitoring and the Portability of Soft Information
- June 2018 (Revised February 2019)
- Teaching Note
Home Nursing of North Carolina
By: Richard S. Ruback, Royce Yudkoff and Ahron Rosenfeld
In 2011, immediately after graduating HBS, Ari Medoff began a self-funded search for a small firm to buy and run as its CEO. After just three month of searching, he identified Home Nursing of North Carolina (HNNC), a home care agency based in Greensboro, NC, as a... View Details
- March 2019 (Revised March 2023)
- Case
Accion's Fintech Strategy
By: V. Kasturi Rangan, Michael Chu and Tricia Gregg
Accion, an NGO, had been a pioneer in microfinance since its entry into that sector in the early 1970s. Its investments in Banco Compartamos paid off, when the microfinance bank went IPO in 2007, leaving an influx of $138 million for Accion. Under a new CEO, Michael... View Details
Keywords: Fintech; Impact Investing; Financial Inclusion; Technological Innovation; Strategy; Strategic Planning; Performance Effectiveness; Non-Governmental Organizations; Microfinance; Financial Institutions; Business Growth and Maturation; Customer Focus and Relationships; Industry Growth
Rangan, V. Kasturi, Michael Chu, and Tricia Gregg. "Accion's Fintech Strategy." Harvard Business School Case 319-091, March 2019. (Revised March 2023.)
- January 1985
- Case
Business Research Corp. (A)
Contains a description of a decision confronting an entrepreneur: which of two investment proposals should he accept to fund the creation and marketing of a database that comprises the full text of research reports produced by Wall Street investment banking firms? The... View Details
Keywords: Strategy; Cost vs Benefits; Valuation; Investment Banking; Negotiation Participants; Negotiation Deal; Financing and Loans; Financial Strategy; Corporate Finance; Service Industry
Sahlman, William A. "Business Research Corp. (A)." Harvard Business School Case 285-089, January 1985.
- 16 Jul 2013
- First Look
First Look: July 16
Alan Morrison Abstract—Existing studies suggest that systemic crises may arise because banks either hold correlated assets or are connected by interbank lending. This paper shows that common regulation is also a conduit for interbank... View Details
Keywords: Anna Secino
- 2015
- Mimeo
Market Power in Mortgage Lending and the Transmission of Monetary Policy
By: David S. Scharfstein and Adi Sunderam
We present evidence that high concentration in mortgage lending reduces the sensitivity of mortgage rates and refinancing activity to mortgage-backed security (MBS) yields. We isolate the direct effect of concentration and rule out alternative explanations in two ways.... View Details
Keywords: Mortgage Lending; Market Power; Monetary Policy Transmission; Mortgages; Banking Industry; United States
Scharfstein, David S., and Adi Sunderam. "Market Power in Mortgage Lending and the Transmission of Monetary Policy." April 2015. Mimeo.
- Article
Weak Corporate Insolvency Rules: The Missing Driver of Zombie Lending
By: Bo Becker and Victoria Ivashina
"Zombie lending"—lending to less-productive firms at subsidized rates—can help banks with misaligned incentives in the short run, but it prolongs economic downturns. We propose that inefficient resolution of insolvency is a significant contributor to this problem. We... View Details
Keywords: Zombie Credit; Insolvency and Bankruptcy; Financing and Loans; Economic Slowdown and Stagnation
Becker, Bo, and Victoria Ivashina. "Weak Corporate Insolvency Rules: The Missing Driver of Zombie Lending." AEA Papers and Proceedings 112 (May 2022): 516–520.
- October 2008 (Revised September 2009)
- Case
Consumer Lending in Japan: Citi CFJ (A)
By: J. Gunnar Trumbull and Akiko Kanno
Despite a tradition of high household savings, Japan has supported a dynamic and technically sophisticated consumer-lending sector. The high profitability of the sector has periodically attracted interest from domestic banks as well as international investors. Most... View Details
Keywords: Mergers and Acquisitions; Financing and Loans; Foreign Direct Investment; Personal Finance; Courts and Trials; Business and Government Relations; Banking Industry; Japan
Trumbull, J. Gunnar, and Akiko Kanno. "Consumer Lending in Japan: Citi CFJ (A)." Harvard Business School Case 709-017, October 2008. (Revised September 2009.)
- January 2025
- Case
Untapped Global: Financing Africa's Missing Middle
By: Raymond Kluender and Emanuele Colonnelli
In November 2024, Jim Chu, founder and CEO of Untapped Global, faced mounting internal tensions over the company’s strategic direction. Untapped had developed a data-driven revenue-based financing (RBF) model to address the “missing middle” problem—the $5.2 trillion... View Details
Keywords: Social Entrepreneurship; Venture Capital; Working Capital; Private Equity; Financial Strategy; Microfinance; International Finance; Currency Exchange Rate; Profit Sharing; Revenue; Developing Countries and Economies; Economic Growth; Emerging Markets; Mission and Purpose; Small Business; Entrepreneurial Finance; Banking Industry; Banking Industry; Banking Industry; Banking Industry; Africa; Nigeria; South Africa; Kenya; Uganda; California; San Francisco
Kluender, Raymond, and Emanuele Colonnelli. "Untapped Global: Financing Africa's Missing Middle." Harvard Business School Case 825-056, January 2025.
- April 2009 (Revised June 2010)
- Case
U.S. Subprime Mortgage Crisis: Policy Reactions (B)
By: Laura Alfaro and Renee Kim
In March 2009, the U.S. economy was in a severe recession not seen since the Great Depression after the subprime mortgage crisis had spiraled out of control. The situation had dramatically changed in one year since the Federal Reserve Board had helped to bailout... View Details
Keywords: Financial Crisis; Central Banking; Mortgages; Globalized Economies and Regions; Policy; United States
Alfaro, Laura, and Renee Kim. "U.S. Subprime Mortgage Crisis: Policy Reactions (B)." Harvard Business School Case 709-045, April 2009. (Revised June 2010.)