Publications

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22 Feb 2022
News

An Rx for Small Business Recovery

PPP’s forgivable loans were a lifeline for many small businesses. But banks often prioritized larger, established clients, while the smallest and most vulnerable businesses had trouble accessing funds.... View Details

Keywords: Deborah Blagg

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

26 Jan 2021
Research & Ideas

A New Way to Cut Credit Card Debt: Pay Off One Purchase at a Time

Bush, senior manager at the Commonwealth Bank of Australia; and Zoë Chance, assistant professor of marketing at Yale School of Management. Putting ‘repayment-by-purchase’ to the test A field experiment conducted with the Commonwealth... View Details

Keywords: by Kristen Senz; Financial Services

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

01 Jun 2008
News

Greed, Gullibility, and Optimism

RETSINAS: Too many people began to regard their homes as a guaranteed high-return investment. We just got carried away,” observes Nicolas Retsinas, a lecturer in real estate at HBS, whose distinguished career in housing, community development, and View Details

Keywords: Deborah Blagg; Finance; Management; Real Estate

Web

Bankers, Financiers, and Statesmen - Coin and Conscience

[Nürnberg, ca. 1654]. 18.5 x 13.5 cm F g5 The Bancho Publico in Nürnberg was one of the oldest banks in Germany, founded in 1621, and in operation until 1827. Fussel was its banker from 1654 to 1674. 62 Sir Thomas Gresham (1519?–79) view... View Details

20 Mar 2012
First Look

First Look: March 20

non-performing loans and an increase in interest rate spreads, suggesting that foreign concerns bought domestic banks that had been making loans with low interest rates to... View Details

Keywords: Sean Silverthorne

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

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

22 Oct 2012
Research & Ideas

Not Your Father’s State-Run Capitalism

different types of minority stakes, from partially privatized firms, to those with minority investments by state-holding companies, to those receiving favorable loans from state-owned banks What they found... View Details

Keywords: by Michael Blanding

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

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

01 Mar 2023
News

Is AI OK?

to weeding bias out of banking and lending, essentially removing from the picture human beings and their inherently biased decision-making processes. He understood that his father, a Black business owner in the Deep South, was repeatedly... View Details

Keywords: Alexander Gelfand; Funds, Trusts, and Other Financial Vehicles; Finance

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