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- All HBS Web (140)
- Faculty Publications (56)
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- All HBS Web (140)
- Faculty Publications (56)
- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
Investment Act, which challenged redlining policies of local banks that set higher hurdles for home-ownership among minorities. But it ended with the recent $5.2 trillion guarantee of Fannie Mae and Freddie Mac assets after these quasi-government housing agencies... View Details
Keywords: by John Quelch
- 21 May 2015
- Blog Post
3 Ways to Fund Your HBS MBA
out FinAid and Fastweb, both of which have extensive scholarship directories. You can receive up to $10,000 per year in external funding before HBS adjusts the amount of your need-based fellowship. Loans A certain level of educational View Details
- Web
2018 Financial Risk and Regulation Survey - Behavioral Finance & Financial Stability
that under-provision of credit due to excessive regulation posed a great threat to the financial system. Figure 6: In Your View, Do Any of the Following Pose a Threat to the U.S. Financial System? These two main concerns - political risk and high View Details
- 25 Jan 2010
- Research & Ideas
A Macroeconomic View of the Current Economy
ask the Japanese, the Chinese, and some others for their goods, and they give them to us. And then they lend us the money to buy them. We are both borrowing—literally borrowing in financial terms from, particularly, the Asians—and getting... View Details
Keywords: by Sean Silverthorne
- 28 May 2020
- Research & Ideas
Coronavirus Could Create a 'Bankruptcy Pandemic'
Lyondell’s DIP financing, existing lenders were also incentivized to lend additional money to the company by letting them convert (“roll up”) a dollar of their existing debt into the new senior DIP loan,... View Details
- Web
2022 Reunion Presentations - Alumni
Western leadership; the United States’ weakened economy after 2008; post-COVID deficits and debt in Latin America, Africa and Europe; and the conditions of energy and commodity markets post-Ukrainian war. Slides June 10-11 Reunion... View Details
- Web
2024 Reunion Presentations - Alumni
economic research has examined the influence of policy movements on bank lending behavior, capital flows, and market responses in the public sector, the private equity industry—despite its substantial size and pervasive presence—has not... View Details
- 01 Mar 2009
- News
Buddy, Can You Spare a Trillion
right across the Western financial system. Not many people understood that defaults on subprime mortgages would destroy the value of exotic new asset-backed instruments like collateralized debt obligations. Not many people saw that, as... View Details
- 22 Sep 2014
- Op-Ed
Online Banks Fill Funding Needs for Small Business
scale, these alternative players have the potential to fundamentally change the way in which small businesses access capital, creating greater competition, price transparency, and a better customer experience. Emerging online players are pushing innovation within the... View Details
- 02 Jun 2011
- What Do You Think?
Is it Time for a National Bankruptcy?
nation's debt? they are the ones who chose the representatives." As an alternative to insolvency, forgiveness of debt combined with other measures had appeal for several respondents. Yadeed Lobo, while entertaining the idea of... View Details
Keywords: by Jim Heskett
- 21 Jul 2014
- Research & Ideas
Is a Gap in Small-Business Credit Holding Back the American Economy?
patents per employee than larger firms, and employ more than 40 percent of high-tech workers in America. “Small business owners feel that despite being creditworthy today, banks remain either wary or entirely unwilling to lend to them.”... View Details
- 01 Sep 2020
- News
Road Work
restaurants in the Los Angeles area. But after 25 years, the business went bust, and she relocated the family to her native Mexico when the Salas brothers were 12 years old. It’s a fitting origin story for Camino Financial, an online View Details
- 28 Aug 2014
- Op-Ed
Government Can Do More to Unfreeze Small Business Credit
program of $100 million with a proven default rate of 5 percent will be "costed" at $5 million, but will deploy $100 million of new capital into the marketplace. A second important piece of SBJA was the effort to infuse capital into smaller banks and incent them to... View Details
- 29 May 2008
- Research & Ideas
Global Change in the Built Environment
class because of its large component of current income and cash flow. The three big trends in the industry are securitization, globalization, and environmentalism. The securitization markets on both the debt and equity sides are being... View Details
- 24 Sep 2020
- Research & Ideas
Financial Meltdowns Are More Predictable Than We Thought
household debt were growing quickly. That combination is “a natural signal of an outward shift in the supply of credit, which then sows the seeds of its own destruction,” the researchers write in their working paper Predictable Financial... View Details
- 15 Jun 2010
- First Look
First Look: June 15
identifying the effects of bank credit supply. First, we focus on firms' choice between two close forms of external financing: bank debt and public bonds. By conditioning the sample of firms raising new debt, we can rule out a demand... View Details
Keywords: Martha Lagace
- Web
Buy Now, Pay Later: Research Links - Secondary Resources
Mortgage Debt on Homes Other Than Farm Homes at the Fourteenth Census, 1920 (Washington, D.C.: Government Printing Office, 1923). Ham, Arthur H. A Credit Union Primer; an Elementary Treatise on Cooperative Banking (New York City: Division... View Details
- Profile
Lara Hodgson
not wanting to strap the young company with debt that might hinder future access to capital that would be needed for tooling and not wanting to raise equity that required her to give away half the business. “This just doesn’t make... View Details
- 12 Apr 2011
- First Look
First Look: April 12
concentration by approximately 18%. With respect to the syndicate composition, a one-standard-deviation increase in the divergence is associated with a 20% decrease in foreign bank participation and an 18% increase in the overall syndicate 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 program, and the Microloan program... View Details