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- All HBS Web (673)
- Faculty Publications (312)
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- August 2011
- Teaching Note
Going to the Oracle: Goldman Sachs, September 2008 (TN)
By: Clayton Rose and Sally Canter Ganzfried
Teaching Note for 309-069. View Details
- 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
- 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.
- 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
- 31 Oct 2016
- Research & Ideas
Quantitative Easing Didn’t Ease the Housing Crisis for the Neediest
Another tool to stimulate a distressed economy has made its way into the playbooks of central banks across the world. With quantitative easing, known as QE for short, a central bank makes it easier to borrow... View Details
Keywords: by Carmen Nobel
- 30 Nov 2016
- Op-Ed
Where Could More Regulation Help Small Businesses? Online Lending.
charter permitting preemption of state law. The Internet is not bound by any one state, and the market for loans online is no exception—regulation must reflect this new reality. However, regulators should not simply mandate all federal... View Details
- October 2014 (Revised December 2014)
- Case
Gentera: Beyond Microcredit
By: Rajiv Lal and Lisa Mazzanti
Gentera, whose largest subsidiary is Compartamos Banco, has been a fantastically successful endeavor since it started in the 1990s. But in 2014, Gentera faces challenges in expanding beyond group-lending and micro-credit into microfinance and beyond in order to fulfill... View Details
Keywords: Financial Inclusion; Compartamos; Gentera; Micro-lending; Microfinance; Insurance; Banking Industry; Banking Industry; Mexico City
Lal, Rajiv, and Lisa Mazzanti. "Gentera: Beyond Microcredit." Harvard Business School Case 515-017, October 2014. (Revised December 2014.)
- 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
- 24 Dec 2013
- First Look
First Look: December 24
provides an introduction to the process of loan syndication and the evolution of the leveraged loan market. The note emphasizes the role of banks as View Details
Keywords: Carmen Nobel
- 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
- 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.)
- 07 Sep 2011
- First Look
First Look: Sept. 7
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 View Details
Keywords: Sean Silverthorne
- 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.)
- 20 Nov 2018
- First Look
New Research and Ideas, November 20, 2018
different methods of selecting peers, sampling, different proxies and estimation techniques. Download working paper: https://www.hbs.edu/faculty/Pages/item.aspx?num=55265 Corporate Legal Structure and Bank View Details
Keywords: Dina Gerdeman
- 13 Sep 2004
- Research & Ideas
Cash and the Woman-Owned Business
businesses are also becoming more accessible. Financing through government-sponsored lending programs such as the 7(a) General Business Loan Guaranty program, the Certified Development Company (504) loan... 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
- October 2008 (Revised August 2010)
- Case
The Christmas Eve Closing
By: Peter Tufano
In 2002, two homeowners in Massachusetts are deciding whether to refinance their home less than two years after taking out an initial mortgage and a subsequent home equity line of credit. View Details
Tufano, Peter, and Andrea Ryan. "The Christmas Eve Closing." Harvard Business School Case 209-043, October 2008. (Revised August 2010.)
- 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
- 22 Apr 2014
- First Look
First Look: April 22
marketing pitch made to study participants by our project staff. Publisher's link: http://www.people.hbs.edu/nashraf/aamy_SavingsinTransnationalHouseholds.pdf August 2013 Journal of Finance Incentivizing Calculated Risk-Taking: Evidence from an Experiment with... View Details
Keywords: Sean Silverthorne