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  • Article

Liability Structure in Small-Scale Finance

By: Fenella Carpena, Shawn Cole, Jeremy Shapiro and Bilal Zia
Microfinance, the provision of small individual and business loans, has experienced dramatic growth, reaching over 150 million borrowers worldwide. Much of the success of microfinance has been attributed to attempts to overcome the challenges of information asymmetries... View Details
Keywords: Microfinance; Emerging Markets; Financial Markets; Legal Liability; Banks and Banking; Banking Industry; India
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  • 5 Feb 2013
  • Conference Presentation

Financing Entrepreneurial Growth

By: Tom Alberg, Andrew A. Bogan, Harold Bradley, Robert D. Cooter, Monika Gruter Cheney, Oliver R. Goodenough, William R. Hambrecht, Frank Hatheway, Thomas F. Hellmann, Marianne Hudson, Jared Konczal, Josh Lerner, Robert E. Litan, Diane Mulcahy, Ramana Nanda, Frank Partnoy, Joe Ratterman, Nava Ravikant, Jay R. Ritter, Alicia Robb, David T. Robinson, Allison Schrager, Barry Silbert, E. R. Sirri, Daniel Stangler and Sharon Vosmek

Despite recent innovations in entrepreneurial finance, particularly at the early stage of business creation, many new and young companies continue to face hurdles to acquire capital.

The Kauffman Foundation addressed current challenges and opportunities in... View Details

Keywords: Finance; Entrepreneurial Finance; Venture Capital; Entrepreneurship; United States
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  • 06 Nov 2018
  • First Look

New Research and Ideas, November 6, 2018

https://www.hbs.edu/faculty/Pages/item.aspx?num=55194 Large Banks and Small Firm Lending By: Bord, Vitaly, Victoria Ivashina, and Ryan D. Taliaferro Abstract—We show that since 2007, there was a large and persistent shift in the... View Details
Keywords: Dina Gerdeman
  • 05 Jul 2006
  • Research & Ideas

Reinventing the Dowdy Savings Bond

course of four weeks, representatives at two Volunteer Income Tax Assistance (VITA) sites offered filers the option of splitting their refunds, depositing all or some of their refund into an existing or new savings account with the View Details
Keywords: by Julia Hanna; Banking; Banking
  • 04 May 2009
  • Research & Ideas

What’s Next for the Big Financial Brands

Insurance Corporation. Today, the FDIC is the most important ingredient brand in the world, way more important than Intel. Trust in the FDIC and the United States Government enables consumers to confidently deposit up to $250,000 in any... View Details
Keywords: by John Quelch; Banking; Banking
  • 21 Dec 2009
  • Research & Ideas

Good Banks, Bad Banks, and Government’s Role as Fixer

banks by the federal government, it can divide them into good banks and bad banks. The good banks would return to the normal business of taking View Details
Keywords: by Roger Thompson; Banking; Banking
  • 10 Feb 2009
  • First Look

First Look: February 10, 2009

magnitude of the current financial crisis reflects the failure of an economic and regulatory philosophy that had proved increasingly influential in policy circles over the past three decades. This paper suggests (1) that contrary to the prevailing wisdom, New Deal... View Details
Keywords: Martha Lagace
  • 03 Jan 2007
  • First Look

First Look: January 3, 2007

available for download Banking Deregulation, Financial Constraints, and Entrepreneurship Authors:William R. Kerr and Ramana Nanda Abstract We study how U.S. branch banking deregulations affected the entry of... View Details
Keywords: Sean Silverthorne
  • 17 Aug 2023
  • Research & Ideas

‘Not a Bunch of Weirdos’: Why Mainstream Investors Buy Crypto

School of Management; and Tetyana Balyuk of the Emory University Goizeta Business School. The economists analyzed the bank account and credit card transactions of more than 59 million US consumers between January 2010 and May 2021. They... View Details
Keywords: by Ben Rand
  • 01 Jul 2008
  • First Look

First Look: July 1, 2008

one of the industry's leading firms. Oil sands deposits in Alberta represent a potentially vast reserve of hydrocarbons, but the extraction, refining, and transportation challenges are formidable, and the environmental consequences of... View Details
Keywords: Martha Lagace
  • 03 Oct 2023
  • Research Event

Build the Life You Want: Arthur Brooks and Oprah Winfrey Share Happiness Tips

course, how you can use it and then then how you can share it. Winfrey: And also having a bank of positive emotions you can go to. Right. Positive actions you can go to when you're in the midst of all of these negative emotions.... View Details
Keywords: by HBS Staff
  • 16 Dec 2019
  • Research & Ideas

Taking on the Taboos That Keep Women Out of India's Workforce

bank account was opened in the name of the woman in the household; the second included an account and basic training in banking; the third included an account and direct deposit of wages earned in a... View Details
Keywords: by Julia Hanna
  • 17 Aug 2021
  • Op-Ed

Dispensing Justice: The Case for Legalizing Cannabis Nationally

deductions or credits. "Banks are extremely chary about extending capital to them. Even if they do, banks charge cannabis firms hefty fees." These inefficiencies are compounded by a dearth of capital. Banks... View Details
Keywords: by Ashish Nanda and Tabatha Robinson
  • 31 Jan 2012
  • First Look

First Look: Jan. 31

Kast, Stephan Meier, and Dina Pomeranz Abstract While commitment devices such as defaults and direct deposits from wages have been found to be highly effective to increase savings, they are unavailable to the millions of people worldwide... View Details
Keywords: Sean Silverthorne & Carmen Nobel
  • 08 Jun 2010
  • First Look

First Look: June 8

fallen, unemployment was high, and bank deposits and gold were being withdrawn from the country at a rapid pace, threatening the value of the German mark. The country's third largest bank, the Danatbank, was... View Details
Keywords: Martha Lagace
  • 18 May 2016
  • Research & Ideas

Unethical Amnesia: Why We Tend to Forget Our Own Bad Behavior

“Those who cannot remember the past are condemned to repeat it.” —George Santayana If you’ve ever tuned into a Congressional testimony or legal deposition, you’ve likely heard a witness respond to a question with the words “I don’t recall.” For example, rapper Lil... View Details
Keywords: by Carmen Nobel
  • 28 Aug 2012
  • First Look

First Look: August 28

employed by sell-side investment banks and brokerage houses. Yet investment firms undertake their own buy-side research, and their analysts face different stock selection and recommendation incentives than their sell-side peers. We... View Details
Keywords: Sean Silverthorne
  • 28 Aug 2014
  • Op-Ed

Government Can Do More to Unfreeze Small Business Credit

regulators and bank examiners are inconsistent, which leads to confusion and an aversion to taking on more risk from bankers. During the most difficult part of the crisis, the Federal Deposit Insurance... View Details
Keywords: by Karen Mills; Banking
  • 29 Sep 2008
  • Research & Ideas

Financial Crisis Caution Urged by Faculty Panel

Depression-era legislation, and remained distinct for many years. Commercial banks made loans, kept the loans on their books, and took in deposits "through the door." For their part, investment... View Details
Keywords: by Martha Lagace; Financial Services
  • 20 Mar 2018
  • First Look

First Look at New Research and Ideas, March 20, 2018

dimensions. Consistently, banks that serve customer bases with more dispersed needs receive lower satisfaction scores than banks serving customer bases with less dispersed needs. Finally, a longitudinal... View Details
Keywords: Sean Silverthorne

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