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- All HBS Web (650)
- Faculty Publications (295)
- 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.)
- 28 Mar 2018
- Research & Ideas
Sophisticated Investors May Be Harming Fintech Lending Platforms
biggest departure from the traditional banking model, where banks do the legwork on behalf of investors, and investors may have little or no information about loans—and in fact may not know which 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
- 09 Apr 2014
- Research & Ideas
A Playbook for Small-Business Job Creation
savings and home equity loans, bank loans have been the critical source of capital for small businesses," Mills says. When Mills arrived at SBA in 2009, the nation was in recession, and lending to small... View Details
- 23 Apr 2008
- Op-Ed
The Gap in the U.S. Treasury Recommendations
not just what are known now as commercial banks. Like the current bank regulators, however, the new prudential regulator would protect its own territory, trying to make sure disaster does not strike on its watch. During the U.S. recession... View Details
- February 2015 (Revised April 2017)
- Case
Edyficar and Mibanco: The Emergence of M&A in Microfinance
By: Michael Chu
Mibanco, a microfinance icon, is for sale, and Edyficar, owned by Banco del Credito (BCP), Peru's largest bank, is evaluating its acquisition. Until recently, such a transaction would have been fanciful given Mibanco's preeminent role in Peruvian microfinance, which... View Details
Keywords: Base Of The Pyramid; Peru; Latin America; Microfinance; Commercial Banking; Mergers and Acquisitions; Banking Industry; Latin America; Peru
Chu, Michael. "Edyficar and Mibanco: The Emergence of M&A in Microfinance." Harvard Business School Case 315-030, February 2015. (Revised April 2017.)
- 02 Jul 2015
- Op-Ed
The Future of the Greek Economy
pay wages? Why pay loans? With what? What does a "no" mean? What does a "yes" guarantee? These weeks have been a nightmare, with no medium of exchange and banks facing growing lines of depositors who want to withdraw... View Details
- 15 Sep 2015
- News
Easing the Costs of Saving a Child
Little Feet in 2008. Intended to be a family’s last step in its adoption journey, Pathways, funded by Taylor and a group of donors, is essentially a private, interest-free, nonprofit bank providing loans of... View Details
Keywords: Jill Radsken
- 22 Dec 2016
- Op-Ed
The Small Business Administration is a Model for How to Drive Economic Growth
working on as the head of the SBA and what I continue to write about today—access to capital. SBA’s flagship loan programs are made through more than 3,000 banks, where the private sector picks “winners and losers” and the government... View Details
Keywords: by Karen Mills
- 12 Sep 2007
- Op-Ed
Building Sandcastles: The Subprime Adventure
the subprime lenders—willing to take the risk on riskier borrowers, for a price. Thus far the tale testifies to America's entrepreneurial spirit. New mortgage banks specializing in subprime loans sprang up.... View Details
- 22 Feb 2022
- News
Savings and Loam
all millennials park their money at the three largest banks. It’s a disconnect that he finds “viscerally aggravating,” given that those institutions have bankrolled the fossil-fuel industry—and, with it, the carbon emissions that are underpinning climate change. Since... View Details
- 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
- 01 Dec 2009
- News
An Action Plan for Economic Recovery
rationale. For instance, the government bailed out Bear Stearns, but why not Lehman Brothers? Ironically, Congress in 1991 passed a statute establishing specific procedures (including stating a rationale) to be followed before a bank... View Details
- January 2011
- Teaching Note
Banco Compartamos: Life after the IPO (TN)
By: Michael Chu
Teaching Note for 308-094. 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
- Web
Buy Now, Pay Later: The Usurer's Grip (1912)
receives a loan at the bank rate of six percent and exposes the illegal loan shark to the authorities. Copyright © 2010 Presidents and Fellows of Harvard College Harvard... View Details
Jesse H. Jones
Under Jones’ presidency, RFC became the nation’s largest bank and biggest single investor. It not only provided loans to established banks, but also encouraged new ventures and sought to enlarge View Details
Keywords: Finance
Charles E. Mitchell
Under Mitchell’s presidency, National City Bank was converted into a modern retail banking organization and a world-wide banking empire with offices from London to Singapore.... View Details
Keywords: Finance
- 26 Jun 2017
- Working Paper Summaries
Inventory Management for Mobile Money Agents in the Developing World
Amadeo Peter Giannini
Giannini set up a holding company called Transamerica and purchased banks throughout New York, Washington, Arizona, Oregon and Nevada. Giannini was a pioneer in offering consumer installment loans on real... View Details
Keywords: Finance