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Show Results For
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All HBS Web
(87)
- News (11)
- Research (62)
- Multimedia (1)
- Faculty Publications (21)
- 12 Jun 2018
- First Look
New Research and Ideas, June 12, 2018
practices is important for understanding financial decision-making of households in dire circumstances as well as for setting appropriate consumer protection policies. We conduct a simple experiment in three sites in which we paid off...
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Dina Gerdeman
- 22 Dec 2020
- Blog Post
The Forward Fellowship Convinced Me That I Belong at HBS
single-parent household in rural Kentucky - I am talking about a town of 4,000 people and one incredible Betty’s OK Country Cooking restaurant with an out-of-this-world catfish buffet. My parents did not graduate from college, neither did...
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- 2016
- Working Paper
College Tuition, Public Finance and New Business Starts
By: Gareth Olds
A growing public discourse cites the rising cost of education and student debt overhang as a contributor to slow economic growth. A parallel discussion explores the causes of the secular decline in business dynamism and entrepreneurship rates in the United States over...
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Olds, Gareth. "College Tuition, Public Finance and New Business Starts." Harvard Business School Working Paper, No. 16-145, June 2016.
- 20 Feb 2018
- First Look
First Look at New Research and Ideas, February 20, 2018
barely able to pay back the interest, thus being perpetually in debt (often by refinancing). Studying such practices is important for understanding financial decision-making of households in dire...
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Sean Silverthorne
- Research Summary
Overview
Professor Begenau’s research agenda is directed at better understanding how financial markets work and how they affect the real economy. She uses quantitative analysis to build both prescriptive and descriptive models concerning financial risk in banking, and she also...
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- 10 Nov 2009
- First Look
First Look: Nov. 10
no. 11 (November 2009) Article: http://hbr.harvardbusiness.org/2009/11/what-would-peter-say/ar/1 Teach Workers About the Perils of Debt Authors:Annamaria Lusardi and Peter Tufano Publication:Harvard Business Review 87, no. 11 (November...
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Martha Lagace
- 02 Aug 2016
- First Look
August 2, 2016
households. The quality of the liquidity services provided by bank liabilities depends on their safety in case of default. Commercial bank debt is fully insured and thus provides full liquidity. However, commercial banks do not...
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Sean Silverthorne
- 28 Oct 2009
- Lessons from the Classroom
HBS Begins Teaching Consumer Finance
Tufano recently talked about the course and his determination to make consumer finance a broadly accepted academic pursuit. Roger Thompson: Why did you want to teach a course in consumer finance? Peter Tufano: The household sector in...
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- 2010
- Working Paper
A Brief Postwar History of U.S. Consumer Finance
By: Andrea Ryan, Gunnar Trumbull and Peter Tufano
This article describes the consumer finance sector in the US since World War II. We first define the sector in terms of the functions delivered by firms (payments, savings/investing, borrowing, managing risk, and providing advice.) We provide time series evidence on...
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Keywords:
Decision Choices and Conditions;
Borrowing and Debt;
Mortgages;
Personal Finance;
Business History;
Innovation and Invention;
Risk and Uncertainty;
Financial Services Industry;
United States
Ryan, Andrea, Gunnar Trumbull, and Peter Tufano. "A Brief Postwar History of U.S. Consumer Finance." Harvard Business School Working Paper, No. 11-058, December 2010.
- 30 Oct 2014
- Working Paper Summaries
Housing Collateral, Credit Constraints, and Entrepreneurship-Evidence from a Mortgage Reform
- 16 Jul 2013
- First Look
First Look: July 16
low and unstable income, but also by heavy debt burdens. We find that the inability to save contributes to this indebtedness. Access to free savings accounts substantially decreases participants' propensity to use short-term credit. In...
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Anna Secino
- 27 Dec 2010
- Research & Ideas
HBS Faculty on 2010’s Biggest Business Developments
where I sit as an economist, it's still all about the economy and the long-term impact of the problems laid bare by the Great Recession. During the financial crisis, the world came to the apparently shocking realization that debt...
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by Staff
- Web
Forward Fellowship - MBA
them from applying to HBS. Applicants carrying significant financial burdens or obligations include (but are not limited to) those who meet the following criteria: Grew up in a lower-income household and contributed to View Details
- Web
Behavioral Finance & Financial Stability
firms lever up, the overall cost of capital falls as leverage increases equity beta, but as debt becomes riskier the marginal benefit of increasing equity beta declines. They find that leverage is inversely related to asset beta,...
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- 21 Nov 2022
- Research & Ideas
Buy Now, Pay Later: How Retail's Hot Feature Hurts Low-Income Shoppers
of their total budget on retail goods when they use BNPL. Higher-income users are more likely to use BNPL for big-ticket items like household appliances, the researchers note. Lower-income consumers, those who may not use or have access...
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- 15 Jan 2019
- First Look
New Research and Ideas, January 15, 2019
retail channel made up of thousands of small neighborhood shops called bakalas. In October 2018, all three of these focal points were under pressure. Under the economic-restructuring programs of Saudi Arabia’s new crown prince, Mohammed bin Salman, new taxes and...
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Dina Gerdeman
- Web
Research - Behavioral Finance & Financial Stability
lever up, the overall cost of capital falls as leverage increases equity beta, but as debt becomes riskier the marginal benefit of increasing equity beta declines. They find that leverage is inversely related to asset beta, including...
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- Web
Eligibility | Social Enterprise | Harvard Business School
at the time of application. If in doubt, please ask HBS MBA Financial Aid before committing to a loan. Debts not covered by the programs include: Debt used to replace student contributions as calculated by...
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- 06 Nov 2008
- Op-Ed
Selling Out The American Dream
that enable them to do so. Hardly any politician has had the courage to call for restraint. Average household debt in the United States is currently 130 percent of average View Details
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by John Quelch
- Web
Country & International | Baker Library | Bloomberg Center | Harvard Business School
guaranteed debt to the World Bank's Debtor Reporting System. Global Consumption Database /citations/global-consumption-database Data on household consumption patterns in developing countries. Select data by...
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