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Oral Histories | Baker Library

scholarship and a loan to make it possible. So for the age of twenty-one, I went east of Detroit for the first time in my life. I had never been to the East Coast, which I thought was very exciting. I enrolled in the program and lived at... View Details

15 Jan 2013
First Look

First Look: January 15

particular setting. This paper exploits a plausibly exogenous change in the liability structure offered by a microfinance program in India, which shifted from individual to group liability lending. We find evidence that the lending model matters: for the same borrower,... View Details

Keywords: Sean Silverthorne

10 Mar 2009
First Look

First Look: March 10, 2009

new bank will loan less than the original plan, and the construction budget has come in considerably higher. Students must evaluate the plan and prospective returns in light of this new information. Purchase this case: View Details

Keywords: Martha Lagace

22 Jun 2009
Research & Ideas

“Too Big To Fail”: Reining In Large Financial Firms

such period on record. Significant financial failures returned to the marketplace in the late 1980s with the savings and loan crisis, followed by a rash of bank failures in the early 1990s that forced the government to recapitalize the... View Details

Keywords: by Roger Thompson; Banking; Financial Services

01 Sep 2017
News

City of Dreams

existing railway and new light rail network. Finally, the Asian Development Bank has agreed to a $650 million loan to cover capital costs for electrification of an initial 110-kilometer railway line running through Colombo from the... View Details

Keywords: Julia Hanna; photographed by Alice Carfrae; Sri Lanka; Construction of Buildings; Construction; Administration of Housing Programs, Urban Planning, and Community Development; Government

28 Aug 2012
First Look

First Look: August 28

for the same borrower, required monthly loan installments are 11% less likely to be missed under the group liability setting, relative to individual liability. In addition, compulsory savings deposits are 20% less likely to be missed... View Details

Keywords: Sean Silverthorne

18 Dec 2012
First Look

First Look: December 18

spread to other European markets. Within a few months Ireland and Portugal had also lost access to the sovereign debt markets and had to rely on supranational loans for their financing. The risk of further contagion was clear and present.... View Details

Keywords: Carmen Nobel

01 Apr 2002
News

Urban Evolution - HBS Research on the Inner City

services, pawn shops, and payment and loan services in neighborhoods like South Central LA," Tufano notes, "but very few institutions that would help people accumulate savings." A 1999 Harvard Business Review article cowritten by Tufano,... View Details

Keywords: Paul Grogan; Peter Tufano; David Crockett; Diana Barrett; Real Estate

October 2016 (Revised January 2017)
Supplement

Bally Total Fitness (B): The Fall, 2005–2016

By: John R. Wells and Gabriel Ellsworth

By many measures the largest health-club chain in the United States in the early 2000s, Bally Total Fitness sold most of its remaining fitness clubs to 24 Hour Fitness in 2014 and disappeared from the industry top 100 rankings. After Bally was bedeviled by accounting... View Details

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November 2004 (Revised September 2019)
Background Note

The U.S. Health Club Industry in 2004

By: John R. Wells, Gabriel Ellsworth and Benjamin Weinstock

In 2004, the $16.8 billion U.S. health club industry continued its strong record of growth. There were almost 27,000 health clubs in the United States, up from 6,700 two decades earlier, and these clubs claimed 41 million members, over 14% of the U.S. population.... View Details

Keywords: Health Clubs; Fitness; Gyms; Chain; Weight Loss; Obesity; Exercise; Personal Training; Bally Total Fitness; 24 Hour Fitness; YMCA; Gold's Gym; Curves; Franchise; Franchising; Subscription; Promotional Sales; Promotions; Fixed Costs; Body; Accrual Accounting; Revenue Recognition; Buildings and Facilities; Business Growth and Maturation; Business Model; For-Profit Firms; Trends; Customers; Demographics; Age; Income; Private Equity; Financing and Loans; Profit; Revenue; Geographic Scope; Multinational Firms and Management; Health; Nutrition; Business History; Employees; Retention; Human Capital; Working Conditions; Contracts; Business or Company Management; Goals and Objectives; Growth and Development Strategy; Markets; Demand and Consumers; Supply and Industry; Industry Growth; Industry Structures; Operations; Service Operations; Franchise Ownership; Private Ownership; Public Ownership; Problems and Challenges; Sales; Salesforce Management; Situation or Environment; Opportunities; Nonprofit Organizations; Welfare; Sports; Strategy; Business Strategy; Competition; Competitive Strategy; Consolidation; Corporate Strategy; Customization and Personalization; Expansion; Segmentation; Hardware; Health Industry; United States

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October 2016
Supplement

24 Hour Fitness (B): Ownership Changes, 2005–2016

By: John R. Wells and Gabriel Ellsworth

In 2016, 24 Hour Fitness was the number-two fitness chain in the United States, generating revenues of $1.4 billion from 441 clubs serving 3.8 million members. Based in San Ramon, California, 24 Hour Fitness operated clubs in 13 states. Having grown rapidly to become... View Details