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- 01 Feb 1999
- News
Too Much of a Good Thing?
booming. Banks and companies, eager for a piece of the action, invest heavily in production capability. Not surprisingly, a market can soon become saturated with too much product; consequently, demand drops, revenues slow to a trickle,... View Details
Keywords: Garry Emmons
- 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 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
- 01 Dec 2019
- News
Capitalizing the Corner Shop
simplified the application process, asking business owners for only a bank statement as part of their mobile-based loan application, and delivering funds to successful applicants within 48 hours. “The joke... View Details
Keywords: Dan Morrell
- 01 Sep 2018
- News
After the Fall
Lovett-Learned Professor of Business Administration In mid-2007, corporate lending began to decrease—a trend that accelerated during the banking panic in the fall of 2008, with new loans to large borrowers... View Details
- 01 Dec 2010
- News
Noted & Quoted
bank capital on loans is too small to have a big impact on growth.” — HBS professor DAVID SCHARFSTEIN and Harvard economics professor Jeremy Stein respond to banking industry... View Details
- 01 Dec 2015
- News
Truth in Lending
Lab. And that may just be the answer to developing a strong small-business sector in emerging markets. In more developed markets, a bank can make loan decisions based on credit scores, that three-digit... View Details
Keywords: April White
- 01 Dec 2008
- News
No Easy Fix for the Financial Crisis
percent. “In 2004 and 2005, as these subprime loans started to emerge, it really wasn’t a particular problem because of the lag effect. People who couldn’t pay off these mortgages with toxic terms and exploding payment schedules figured,... View Details
- 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
- 01 Dec 2019
- News
INK: Big News for Small Business
The earliest small business loan on record dates back to Mesopotamia, when a royal baker borrowed capital—suggesting that small-business owners have been wrestling with access to capital literally since the dawn of civilization, says... View Details
Keywords: Jen McFarland Flint
- 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
- 01 Mar 2023
- News
The Exchange: Micro Management
to figure out how to operationalize these insights. We have developed two credit products with Sanghamithra that are based on these ideas, and we’ve just deployed the first few dozen of each of them. The first is a graduation loan. For many borrowers, it’s hard to get... View Details
- 01 Jun 2024
- News
Conducting Business
In 2015 I moved from New York City to Madison, Connecticut, where I met, quite by chance, Ginny Vancil and her brother, Richard. I thought, How many Vancils can there be in the world? I asked if they knew Richard “Dick” Vancil, who was my first professor for my first... View Details
- 01 Mar 2003
- News
All in a Day's Work
COO and Loan Fund president, says a few words as well. Jones highlights BCC’s role as an intermediary lender between Citizens Bank and the Somerville Community Corporation and mentions another BCC project in... View Details
- 01 Jun 2015
- News
Rebooting Europe
flow of more venture capital to EU startups. (Currently, 70 to 80 percent of EU businesses rely on bank loans for funding, whereas in the United States that number is closer to 30 percent. The fund,... View Details
- 01 May 2013
- News
Celeste A. Guth, MBA 1986
Celeste Guth vividly recalls the day she received her acceptance letter to HBS. “When I opened the admissions packet, I was thrilled beyond belief,” shares Guth, a partner with global responsibility for the Financial Institutions group in Goldman Sach’s Investment... View Details
- 01 Dec 2005
- News
Trillion-Dollar Fixer-Upper
Stanley’s experience is typical of other investment banks at the time. “We got into the investing side of the business primarily because the opportunity was there to buy nonperforming loan portfolios from... View Details
- 24 Mar 2023
- News
Exploring Talent Markets; Aid for Turkey
the bank provided interest-free loans and postponed credit card payments. Now, ING in Turkey, with $100 million Euros donated by the ING community of banks globally, will work... View Details
Keywords: Margie Kelley
- 01 Sep 2010
- News
Noted & Quoted
also be a statutory cap on leverage, a maximum speed limit, if you will, that regulators can’t loosen.” — HBS professor David Moss commenting on the need for financial reform legislation to place limits on the amount banks can borrow for... View Details