Loans - Publications - Faculty & Research

24 Sep 2024
Research & Ideas

Why Small Businesses Deserve More Credit

It’s Wall Street doctrine that small firms struggle to raise capital at reasonable rates and are often rejected for credit lines and loans because banks think their risk profile is too high. “If you really want to drive investment,... View Details

Keywords: by Rachel Layne; Financial Services; Banking

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FAQs | Social Enterprise | Harvard Business School

See Eligibility for details on loans, income and assets, and employment. What if I have access to another loan repayment assistance program? HBS requires that you participate in both programs if possible. This allows you to pay off your... 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 distillation of a lifetime of bill... View Details

Keywords: April White

01 Sep 2024
News

Far-Reaching Impact

Above: Teachers in India's daycare system draw on Rocket Learning's digital platform to enhance learning. Photo courtesy Rocket Learning When the news reached Namya Mahajan (MBA 2022) as her HBS graduation was approaching that she would receive financial assistance to... View Details

Keywords: Jennifer Gillespie

10 Feb 2016
News

Putting Faith in a Good Education

“The lack of access to good education in developing countries is one of the greatest problems in the world today,” says Chris Crane (MBA 1976), who founded and leads Edify, a nonprofit that furnishes micro-enterprise loans and business... View Details

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3.5 Withdrawals, Leaves of Absence, & Return of Federal/Title IV Funding | MBA

3.5 Withdrawals, Leaves of Absence, & Return of Federal/Title IV Funding For details, please refer to Section 1.11 - Leaves of Absence . Students receiving financial assistance will typically have their assistance adjusted consistent with the change in charges.... View Details

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Adriana Varella & Nilton Maltz Digital DNA 2005 | About

Adriana Varella & Nilton Maltz Digital DNA , 2005 Adriana Varella & Nilton Maltz, Digital DNA , 2005, Printed circuit boards on fiberglass and styrofoam. Anonymous loan . Adriana Varella & Nilton Maltz, Digital DNA , 2005, Printed circuit... View Details

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Latin America - Global Activities 2020

conversation with them about the problems they face. One stream of work is thinking about how they manage their internal organization—understanding how changing the ways that they reward their loan officers can motivate them to better... View Details

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Buy Now, Pay Later: The Usurer's Grip (1912)

production of The Usurer’s Grip , a fifteen-minute silent film about a family man who falls into the clutches of a loan shark, only to be redeemed by a paternalistic businessman who directs him to the nearest Credit Union for a View Details

Rose Totino

Using her car as collateral, Totino secured a $1,500 loan to launch a pizza take-out restaurant in Minnesota. Since pizza was so new, Totino also had to bring samples of her product to the loan committee to... View Details

Keywords: Food & Tobacco

01 Mar 2003
News

All in a Day's Work

says. “It’s all about brainstorming how you can leverage resources and market forces to spin off quality outcomes like affordable housing, new job opportunities, and goods and services that may be missing in a community.” At BCC’s weekly View Details

Keywords: Julia Hanna; Boston Community Capital; Samsung; Management of Companies and Enterprises; Management; Real Estate

01 Mar 2007
News

Courting the Poor

procedure for credit approval, using nontraditional metrics to enable customers with lower, less easily established incomes (a pushcart vendor, for example) to make purchases. “Their loan repayment rates are the envy of the world, and the... View Details

Keywords: Julia Hanna; department stores; Colleges, Universities, and Professional Schools; Educational Services; Management of Companies and Enterprises; Management; Miscellaneous Store Retailers; Retail Trade

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Merit-Based Admissions, Need-Based Aid | MBA

investment, HBS students meet the remaining cost of their MBA using personal savings, a student loan, and/or outside funding. Employer sponsorship and loans are considered outside scholarships for financial aid purposes. Students who... View Details

22 Sep 2014
Op-Ed

Online Banks Fill Funding Needs for Small Business

always been alternative forms of loan capital available, including credit unions, Community Development Financial Institutions (CDFIs), merchant cash advances, equipment leasing and factoring products. “Alternative players have the... View Details

Keywords: by Karen Mills; Banking; Financial Services

03 Nov 2016
Op-Ed

Forget About Making College Affordable; Make it a Good Investment

America’s more than $1 trillion in student loan debt. Indeed, some college graduates with student loans have not secured employment sufficiently remunerative to meet their financial obligations. Others are... View Details

Keywords: by Joseph Fuller; Education

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Buy Now, Pay Later: Research Links - Secondary Resources

W.A. Edwards, 1892). Full text available as a networked resource. Davis, Malcolm W. The Loan Shark Campaign (New York: Divison of Remedial Loans, Russell Sage Foundation, 1914). Fitzgerald, Thomas J., and Richard Theodore Ely. Mortgages... View Details

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How HBS Financial Aid Can Help You Meet the Cost of Your MBA | MBA

federal and private student loan options. Students can borrow up to the cost of attendance and international students are able to take out a loan without a cosigner. (The Financial Aid Office can help you... View Details

April 1992 (Revised February 1994)
Case

Czechoslovakia's Privatization: The Fund Phenomenon

By: Samuel L. Hayes III

Keywords: Privatization; Financing and Loans; Slovakia; Czech Republic

Citation

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Article

Financing Constraints, Home Equity and Selection into Entrepreneurship

By: Thais Laerkholm Jensen, Søren Leth-Petersen and Ramana Nanda

We exploit a mortgage reform that differentially unlocked home equity across the Danish population and study how this impacted selection into entrepreneurship. We find that increased entry was concentrated among entrepreneurs whose firms were founded in industries... View Details

Keywords: Mortgage Reform; Home Equity; Financing Constraints; Entrepreneurs; Entrepreneurship; Mortgages; Denmark