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  • 23 Jul 2024
  • Research & Ideas

Forgiving Medical Debt Won't Make Everyone Happier

The solution seems obvious. Forgiving medical debt should ease both financial and emotional burdens for the two in five people in the US who carry it. Yet a new comprehensive study that tracked more than 200,000 patients and randomly... View Details
Keywords: by Rachel Layne; Health
  • 22 May 2019
  • Research & Ideas

Forgiving Student Loan Debt Leads to Better Jobs, Stronger Consumers

Kalda, and Vincent W. Yao of Georgia State University. The paper shines a light on a student debt crisis that Democratic presidential hopefuls have called a national emergency. Sen. Elizabeth Warren has proposed forgiving student loan... View Details
Keywords: by Dina Gerdeman
  • 2012
  • Other Unpublished Work

To Err is Human. To Forgive is a Mistake

By: Paul A. Gompers, Yuhai Xuan and Vladimir Mukharlyamov
Related
  • August 19, 2021
  • Article

How to Build a Life: Fake Forgiveness Is Toxic for Relationships

By: Arthur C. Brooks
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  • June 2019
  • Article

Consequences of Debt Forgiveness: Strategic Default Contagion and Lender Learning

By: Gerardo Pérez Cavazos
I use a unique data set of loans to small business owners to examine whether lenders face adverse consequences when they grant debt forgiveness to borrowers. I provide evidence consistent with borrowers communicating their debt forgiveness to other borrowers, who then... View Details
Keywords: Debt Forgiveness; Strategic Default Contagion; Contracting; Borrowing and Debt; Communication; Learning
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  • 2018
  • Working Paper

Thanks for Nothing: Expressing Gratitude Invites Exploitation by Competitors

By: Jeremy Yip, Kelly Kiyeon Lee, Cindy Chan and Alison Wood Brooks
Previous research has revealed that expressing gratitude motivates prosocial behavior in cooperative relationships. However, expressing gratitude in competitive interactions may operate differently. Across five studies, we demonstrate that individuals interacting with... View Details
Keywords: Gratitude; Forgiveness; Negotiations; Emotion; Emotions; Behavior; Negotiation; Ethics
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  • May 2013
  • Case

Altius Golf and the Fighter Brand

By: Robert J. Dolan and Sunru Yong
Altius Golf is the clear leader in the golf ball market despite a long-term decline in the number of golfers and a drop in sales following the financial crisis. The firm has maintained its position by introducing generations of advanced, super-premium golf balls that... View Details
Keywords: Governing and Advisory Boards; Competitive Advantage; Decision Choices and Conditions; Distribution Channels; Sports; Financial Crisis; Brands and Branding; Segmentation; Sports Industry; Entertainment and Recreation Industry
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  • 2019
  • Working Paper

Second Chance: Life with Less Student Debt

By: Marco Di Maggio, Ankit Kalda and Vincent Yao
Rising student debt is considered one of the creeping threats of our time. This paper examines the effect of student debt relief on individual credit and labor market outcomes. We exploit the plausibly random debt discharge due to the inability of National Collegiate,... View Details
Keywords: Student Debt; Private Student Loans; Legal Settlement; Mobility; Debt Collection; Debt Relief; Borrowing and Debt; Personal Finance; Outcome or Result; United States
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  • March 2022
  • Case

Metric

By: Christina Wallace, Rebecca Cink and Maria Lappas
Megan Murday, the founder of Metric, an environmental, social, and corporate governance (ESG) analytics startup, must decide which customer segment to target as a beachhead market. She received positive feedback from a Swiss venture capital (VC) firm, indicating their... View Details
Keywords: Entrepreneurship; Marketing; Mission and Purpose; Customers
Related
  • 2013
  • Article

Inflated Applicants: Attribution Errors in Performance Evaluation by Professionals

By: S. A. Swift, D. Moore, Z. Sharek and F. Gino
When explaining others' behaviors, achievements, and failures, it is common for people to attribute too much influence to disposition and too little influence to structural and situational factors. We examine whether this tendency leads even experienced professionals... View Details
Keywords: Evaluations; Correspondence Bias; Selection Decisions; Attribution; Prejudice and Bias; Selection and Staffing; Decision Choices and Conditions; Performance Evaluation; Cognition and Thinking
Related
  • Forthcoming
  • Article

Second Chance: Life with Less Student Debt

By: Marco Di Maggio, Ankit Kalda and Vincent Yao
This paper examines the effect of student debt relief on individual credit and labor market outcomes. We exploit an episode of plausibly random debt discharge due to the loss of paperwork for thousands of borrowers to examine the effects of private student debt relief... View Details
Keywords: Student Debt; Private Student Loans; Legal Settlement; Mobility; Debt Collection; Debt Relief; Personal Finance; Borrowing and Debt; Outcome or Result
Related
  • Spring–Fall 2015
  • Article

Whither Uber? Competitive Dynamics in Transportation Networks

By: Benjamin Edelman
Transportation Network Companies offer notable service advances—but do they comply with the law? I offer evidence of some important shortfalls, then consider how the legal system might appropriately respond. Though it is tempting to forgive many violations in light of... View Details
Keywords: Transportation Network Company; Uber; Lyft; Regulation; Lawfulness; Transportation Networks; Laws and Statutes; Law Enforcement; Transportation Industry; Information Technology Industry
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  • 2023
  • Working Paper

Saving and Consumption Responses to Student Loan Forbearance

By: Justin Katz
How do households adjust savings and consumption in response to liquidity from debt relief? I study this question using policy variation induced by federal student loan forbearance in the 2020 CARES Act and an individual-level panel of daily financial transactions for... View Details
Keywords: Saving; Consumer Behavior; Borrowing and Debt; Interest Rates; Financial Liquidity; Personal Finance; Government Legislation
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  • May 2022
  • Article

When Harry Fired Sally: The Double Standard in Punishing Misconduct

By: Mark Egan, Gregor Matvos and Amit Seru
We examine gender differences in misconduct punishment in the financial advisory industry. We find evidence of a “gender punishment gap”: following an incident of misconduct, female advisers are 20% more likely to lose their jobs and 30% less likely to find new jobs... View Details
Keywords: Financial Advisers; Brokers; Gender Discrimination; Consumer Finance; Financial Misconduct And Fraud; FINRA; Financial Institutions; Employees; Crime and Corruption; Gender; Prejudice and Bias; Personal Finance; Financial Services Industry
Related
  • 06 Mar 2018
  • First Look

First Look at Research and Ideas, March 6, 2018

likely to make aggressive offers in distributive negotiations than those who interacted with counterparts expressing neutral emotion. In Study 2, we find that inferences of the tendency to forgive mediates the relationship between... View Details
Keywords: Sean Silverthorne
  • 13 Jul 2016
  • HBS Case

How Uber, Airbnb, and Etsy Attracted Their First 1,000 Customers

demand and low supply also helps startups acquire the right type of customers—those early adopters who might be more forgiving of a company while it works out the kinks. After all, beggars can’t be choosers, and if you are thankful to... View Details
Keywords: by Michael Blanding; Retail; Service; Transportation
  • 07 Mar 2011
  • Research & Ideas

Why Companies Fail—and How Their Founders Can Bounce Back

success. “In a start-up, if a company is doing well, and a founder gets greedy and takes more than his fair share, people sort of forgive him. But when a company is going down, when you protect your own interest it's always at the cost of... View Details
Keywords: by Carmen Nobel
  • 16 Nov 2016
  • Research & Ideas

Turning One Thousand Customers into One Million

differently from the early adopters who had been acquired in bulk or by word of mouth. In particular, they were not as forgiving of lower-quality products and services, and not as willing to pay premium prices for anything less than... View Details
Keywords: by Thales S. Teixeira and Michael Blanding; Retail; Transportation; Accommodations
  • 01 Jun 2023
  • HBS Case

A Nike Executive Hid His Criminal Past to Turn His Life Around. What If He Didn't Have To?

said their mother had never gotten over the murder, and White’s sister admitted that 30 years ago, she “would have been across that table,” but told him she did forgive him. With the help of the family, Miller is developing a scholarship... View Details
Keywords: by Dina Gerdeman; Apparel & Accessories
  • 16 Jul 2020
  • Research & Ideas

Restaurant Revolution: How the Industry Is Fighting to Stay Alive

policies with exclusions. Thanks, but no thanks to bailouts Our panelists expressed frustration with government aid programs, such as the US CARES Act and its Paycheck Protection Program (PPP) enacted in late March. Although designed to help small businesses with View Details
Keywords: by Michael S. Kaufman, Lena G. Goldberg, and Jill Avery; Food & Beverage

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