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- All HBS Web (90)
- Faculty Publications (9)
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- 03 Apr 2019
- Book
Fintech's Game-Changing Opportunities for Small Business
customers own their banking data and can designate it to be available to a third party. Open data and open banking are important so that data streams are available to multiple financial institutions and entrepreneurs who could provide new...
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- 04 Aug 2014
- Op-Ed
Why Small-Business Lending Is Not Recovering
lenders. It is difficult for qualified borrowers to find willing lenders, and vice versa. Federal Reserve research finds that small-business borrowers can spend almost 25 hours on paperwork for bank loans,...
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- 05 Apr 2011
- First Look
First Look: April 5
multiple ways and installing reward and recognition programs. It also establishes new programs to align the extensive networks of suppliers and dealers to the strategy. But after a sharp decline in sales triggered by the global financial...
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Sean Silverthorne
- 20 Aug 2012
- Research & Ideas
The Acquirers
private equity firms and strategic companies. With this effect, a strategic company financing multiple long-term projects won't be as drawn to take advantage of cheap debt just because it's available, for the reason that it will still...
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- 13 Oct 2015
- First Look
October 13, 2015
Here we explore the effects of "sleeping on it" on preference-based decisions among multiple options. In two studies, individuals viewed several attributes describing a set of items and were asked to select their preferred item...
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- 06 Nov 2012
- First Look
First Look: November 6
Xuan Publication: Journal of Financial Economics (forthcoming) Abstract This paper examines the relation between a borrowing firm's ownership structure and its choice of debt source using a novel, hand-collected data set on corporate...
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Sean Silverthorne
- 21 Nov 2017
- First Look
First Look at New Research and Ideas, November 21, 2017
that a sizable decline in mortgage payments (up to 50%) induces a significant increase in car purchases (up to 35%). This effect is attenuated by voluntary deleveraging. Borrowers with lower incomes and housing wealth have significantly...
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Sean Silverthorne
- 23 Dec 2008
- First Look
First Look: December 23, 2008
Examining mechanisms, we demonstrate that cognitive ability increases participation; however, and in contrast to previous research, financial literacy education does not affect decisions. We conclude by discussing how education may affect decision-making through...
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Martha Lagace
- 18 Dec 2018
- First Look
New Research and Ideas, December 18, 2018
borrowers communicating their debt forgiveness to other borrowers, who then more often strategically default on their own obligations. This strategic default contagion is economically large. When the lender doubles debt forgiveness, the...
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Dina Gerdeman
- 09 Feb 2016
- First Look
February 9, 2016
unrelated issues in which a decision may be endogenously delayed by the allocation of influence resources. Delay is strategically interesting when decision makers with asymmetric preferences face multiple issues and have limited resources...
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Sean Silverthorne
- 20 Feb 2013
- Research & Ideas
Big Deal: Reflections on the Megamerger of American and US Airways
concern. While operating in Chapter 11, the company pays no interest on its pre-petition debts, freeing up cash that can be reinvested in the business. Moreover, any new money that the company borrows during bankruptcy must be repaid...
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- 20 Sep 2016
- First Look
September 20, 2016
distinctively African-American names are 16% less likely to be accepted relative to identical guests with distinctively White names. Discrimination occurs among landlords of all sizes, including small landlords sharing the property and larger landlords with View Details
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Sean Silverthorne
- 03 Jan 2017
- First Look
January 3, 2017
relocation of resources in affected fund families and in the asset management industry in general, as well as decline in capital of issuers borrowing from money funds. Publisher's link: https://pubwww.hbs.edu/faculty/Pages/item.aspx?num=51404...
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Carmen Nobel
- 11 Jul 2005
- Research & Ideas
The New International Style of Management
that has borrowed freely from others around the world. "With the United States accounting for approximately 30 percent of the world's GDP and as the home to 62 out of the 100 most valuable brands in the world, it's not surprising...
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by Garry Emmons
- 19 Apr 2016
- First Look
April 19, 2016
three-time increase in cov-lite issuance compared to a previous peak in 2007. We evaluate whether this development can be attributed to market overheating, increased borrower demand for cov-lite loans, or a rise in creditor coordination...
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Sean Silverthorne
- 01 Mar 2004
- Lessons from the Classroom
Mission to Mars: It Really Is Rocket Science
substantially, NASA would have to place much greater emphasis on technology re-use, developing designs that were expected to fulfill multiple missions. In this respect, borrowing some ideas from business...
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by Sean Silverthorne
- 07 Oct 2014
- First Look
First Look: October 7
response of the U.S. government to the excessive compensation of executives following the market collapse of 2008. In particular, the case focuses on the special committee that was formed to oversee and regulate any financial companies that had View Details
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Sean Silverthorne
- 13 Mar 2018
- First Look
March 13, 2018
import-intensive. Motivated by these facts, we build a dynamic model in which real depreciations raise the cost of importing intermediates but increase demand and the profitability to engage in exports and R&D, thereby relaxing View Details
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Sean Silverthorne
- 12 Sep 2017
- First Look
First Look at New Research and Ideas, September 12, 2017
the past decade, foreign participation in local-currency bond markets in emerging countries increased dramatically. We revisit sovereign debt sustainability under the assumptions that countries can accumulate reserves and borrow...
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Carmen Nobel
- 31 Oct 2016
- Research & Ideas
Quantitative Easing Didn’t Ease the Housing Crisis for the Neediest
Another tool to stimulate a distressed economy has made its way into the playbooks of central banks across the world. With quantitative easing, known as QE for short, a central bank makes it easier to borrow money by buying long-term...
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by Carmen Nobel