Publications

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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

05 Nov 2024
Book

Building the Road to 'Small Business Utopia' with AI and Fintech

But what if technology had the power to make a small business owner significantly wiser about their cash flow, and a lender wiser as well? What if new loan products and services made it easier to create what one investor calls a “truth... View Details

Keywords: by Karen G. Mills; Financial Services

18 Dec 2007
First Look

First Look: December 18, 2007

Banking, and Loan Repayment Authors:Martin Brown and Christian Zehnder Periodical:Journal of Money, Credit and Banking 38, no. 8 (December 2007) Abstract How does information sharing between lenders affect... View Details

Keywords: Martha Lagace

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

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

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

Keywords: by Nicolas P. Retsinas; Financial Services; Construction; Real Estate

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

Keywords: by Candida Brush, Nancy M. Carter, Elizabeth Gatewood, Patricia G. Greene & Myra M. Hart

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

Keywords: Mortgages; Personal Finance; Consumer Behavior; Banking Industry; Massachusetts

February 2007 (Revised October 2007)
Case

BASIX

By: Shawn A. Cole and Peter Tufano

BASIX, an Indian microfinance corporation, must decide whether to continue to sell weather insurance to its clients. A brand-new financial product, weather insurance pays if measured rainfall during the growing season falls below a pre-specified limit. Mr. Sattaiah,... View Details

Keywords: Cost vs Benefits; Microfinance; Insurance; Risk Management; Banking Industry; India

27 Oct 2009
First Look

First Look: October 27

crossed with small financial incentives (ranging from U.S. $3 to $14) to open bank savings accounts. We find that the financial literacy program has no effect on the likelihood of opening a bank savings... View Details

Keywords: Martha Lagace

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

Keywords: by Danielle Kost; Service; Food & Beverage

04 Nov 2014
First Look

First Look: November 4

point out that they may benefit politically connected capitalists or bail out inefficient firms. We study the effect of loans and equity investments of the Brazilian National Development Bank (BNDES) and... View Details

Keywords: Sean Silverthorne

September 2012
Case

BASIX (Abridged)

By: Shawn Cole and Peter Tufano

BASIX, an Indian microfinance corporation, must decide whether to continue to sell weather insurance to its clients. A brand-new financial product, weather insurance pays if measured rainfall during the growing season falls below a pre-specified limit. Mr. Sattaiah,... View Details

Keywords: Cost vs Benefits; Microfinance; Household; Risk Management; Insurance; Banking Industry; India

09 Jan 2006
Research & Ideas

Rebuilding Commercial Real Estate

Wall Street goes shopping. Wall Street surveyed the mountain of defaulted S&L loans taken over by the federal Resolution Trust Corporation (RTC) and saw an opportunity to get into real estate investing in a big way. Morgan Stanley's... View Details

Keywords: by Roger Thompson; Construction; Real Estate

2014
Discussion Paper

The Promise of Microfinance and Women's Empowerment: What Does the Evidence Say?

By: Dina D. Pomeranz

The microfinance revolution has transformed access to financial services for low-income populations worldwide. As a result, it has become one of the most talked-about innovations in global development in recent decades. However, its expansion has not been without... View Details