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- 28 Aug 2014
- Op-Ed
Government Can Do More to Unfreeze Small Business Credit
$100 billion loan guarantee program that operates as a public-private partnership with about 3,000 banks nationwide. In early 2009, loan volume, including SBA loans, had... View Details
- 05 Aug 2024
- Research & Ideas
Watching for the Next Economic Downturn? Follow Corporate Debt
For commercial debt backed by real estate collateral, non-performing loans rise more than 81 percent once the crisis hits. “Once you have defaults in the commercial sector, the bank balance sheet is... View Details
Keywords: by Rachel Layne
- 19 Nov 2019
- Op-Ed
Gender Bias Complaints against Apple Card Signal a Dark Side to Fintech
Twittersphere that they would investigate. Technology is undeniably transforming the financial services industry. Fintechs, Big Tech, and banks are using increasing volumes of data, artificial intelligence, and machine learning to build... View Details
- 03 Oct 2013
- Research & Ideas
Lehman Brothers Plus Five: Have We Learned from Our Mistakes?
financial system is still fragile, it is definitely better. The banks have more capital, are making loans again, and have regained the trust of depositors. Company boards and management are asking more... View Details
- Forthcoming
- Article
FinTech Lending and Cashless Payments
By: Pulak Ghosh, Boris Vallée and Yao Zeng
Borrower's use of cashless payments both improves their access to capital from FinTech lenders and predicts a lower probability of default. These relationships are stronger for cashless technologies providing more precise information, and for outflows. Cashless payment... View Details
- 29 Jan 2008
- First Look
First Look: January 29, 2008
1,582 loans financing private equity-sponsored leveraged buyouts between 1993 and 2005, we find that bank relationships explain cross-sectional variation in the loan interest... View Details
Keywords: Martha Lagace
- January 2012 (Revised June 2015)
- Background Note
Inventory-Based Lending Industry Note
By: C. Fritz Foley, Ananth Raman and Nathan C. Craig
Inventory-based lending is a form of asset-based lending used by retailers and wholesalers. This note describes the development and the current state of the inventory-based lending industry. View Details
Foley, C. Fritz, Ananth Raman, and Nathan C. Craig. "Inventory-Based Lending Industry Note." Harvard Business School Background Note 612-057, January 2012. (Revised June 2015.)
- 07 Aug 2019
- Research & Ideas
Big Infrastructure May Not Always Produce Big Benefits
data on loans to individuals and firms across the entire country by banks also across the entire country. So, they have information on the recipient of the loan, the amount, the location where that View Details
- 12 Aug 2002
- Op-Ed
Using Big Business to Fight Poverty
Bank loans and foreign aid to the government did not then and would not in the future reduce poverty, especially among the 80 percent of the population that lived in the countryside. Millions of rural... View Details
Keywords: by George C. Lodge
- 02 Feb 2012
- Op-Ed
Once a Castle, Home is Now a Debtors’ Prison
owner must pay the lender the difference. Owners will still need to find someplace else to live. An owner can walk away from the loan and join the "strategic defaulters," who defaulted not because they could not pay but because... View Details
- 2020
- Working Paper
Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus
By: David Hao Zhang and Paul Willen
We use a new methodology to assess mortgage pricing discrimination by race. We make four main contributions. First, we show that existing estimates of mortgage pricing differences by race can be confounded by a "menu problem," which is the problem associated with... View Details
Keywords: Mortgages; Financing and Loans; Prejudice and Bias; Race; Measurement and Metrics; Banking Industry; United States
Zhang, David Hao, and Paul Willen. "Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus." Working Paper, September 2020.
- August 2011 (Revised August 2011)
- Teaching Note
Mibanco: Meeting the Mainstreaming of Microfinance (TN)
By: Michael Chu
Teaching Note for 309-095. View Details
- 20 Mar 2020
- Research & Ideas
How Small Businesses Can Survive the Coronavirus Outbreak
and Fundbox, which specialize in loans to small businesses, are also considering ways to support the sector. Renegotiate terms of contracts and debt. Owners should ask landlords for more time to pay their rent, for example. They should... View Details
- 29 Sep 2008
- Research & Ideas
Financial Crisis Caution Urged by Faculty Panel
bank, a deposit-taking institution that most often kept the loan on its books, retaining the credit risk. But over time the banks would sell more and more loans to the... View Details
- 03 Jun 2008
- First Look
First Look: June 3, 2008
costly. They are less likely to be repaid. Nor are they put to good use: election year credit booms do not measurably affect agricultural output. Finally, I measure whether the average agricultural loan was beneficial, using variation... View Details
Keywords: Martha Lagace
- March 2006 (Revised May 2010)
- Case
Banco Hipotecario S.A.
By: Daniel Baird Bergstresser, Arthur I Segel and Alexandra de Royere
In 2003, the chairwoman and controlling shareholder of Argentina's leading residential mortgage lender are considering how to bring the bank's restructuring to a successful conclusion as the country's economy continues to suffer from the impact of the 2001-2002... View Details
Keywords: Restructuring; Currency; Banks and Banking; Mortgages; Crisis Management; Competition; Argentina
Bergstresser, Daniel Baird, Arthur I Segel, and Alexandra de Royere. "Banco Hipotecario S.A." Harvard Business School Case 206-102, March 2006. (Revised May 2010.)
- January 1993 (Revised November 1997)
- Case
BayBank Boston
In 1992, the Federal Reserve released a study of mortgage lending patterns in Boston. It concluded that even when credit factors were taken into account, black and Hispanic applicants experienced higher rejection rates. Richard Pollard, chairman of BayBank Boston, had... View Details
Dees, J. Gregory, and Christine C. Remey. "BayBank Boston." Harvard Business School Case 393-095, January 1993. (Revised November 1997.)
- 22 Apr 2015
- Op-Ed
Reforming Greece: Myths and Truths
But that hasn't happened. Why? To a large extent it is because of the inability of firms to obtain financing. All sources of financing collapsed in the country. With bank nonperforming loans to total gross... View Details
Keywords: by George Serafeim
- February 2008 (Revised July 2008)
- Case
Banco Compartamos: Life after the IPO
By: Michael Chu and Regina Garcia Cuellar
After an international IPO yielding extraordinary returns to original investors, Banco Compartamos, Mexico's leading microfinance institution, contemplates its future strategic and competing priorities: maintaining growth, defending industry, leadership, preserving... View Details
Keywords: Business Model; Microfinance; Initial Public Offering; Non-Governmental Organizations; Competition; Value Creation; Banking Industry; Mexico
Chu, Michael, and Regina Garcia Cuellar. "Banco Compartamos: Life after the IPO." Harvard Business School Case 308-094, February 2008. (Revised July 2008.)
- 12 Apr 2011
- First Look
First Look: April 12
system rather than a government-controlled system. Book: http://www.gale.cengage.com/servlet/ItemDetailServletCr?region=9&imprint=070&titleCode=GCCL&cf=p&type=3&id=254645 Corporate Ownership Structure and Bank View Details
Keywords: Sean Silverthorne