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- All HBS Web (130)
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- All HBS Web (130)
- Faculty Publications (21)
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- 26 Apr 2011
- First Look
First Look: April 26
find that fundamental accounting signals are stronger in-sample predictors of crises in low-precision countries. Download the paper: http://www.hbs.edu/research/pdf/11-103.pdf Cases & Course MaterialsEnergy Security in Europe (A):...
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Sean Silverthorne
- September 2018 (Revised May 2021)
- Teaching Plan
Eastern Bank: Innovating Through Eastern Labs
By: Karen Mills, Dennis Campbell and Aaron Mukerjee
Eastern Bank is a 200-year-old New England mutual bank with a community focus. Eastern specializes in small business lending, having made strategic investments to become the top SBA lender in New England in the midst of the Great Recession, when other banks were...
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Keywords:
Banks;
Fintech;
Innovation;
Innovation & Entrepreneurship;
Innovation And Strategy;
Technological Change;
Technology And Innovation Management;
Entrepreneurial Management;
Intrapreneurship;
Banks and Banking;
Innovation and Invention;
Entrepreneurship;
Innovation Strategy;
Technological Innovation;
Information Technology;
Management
- 16 Sep 2014
- First Look
First Look: September 16
shocks and crime is similar to the observed relationship between rainfall shocks and crime. Our results thus identify a causal effect of poverty on crime. They also lend credence to a large literature on the effects of weather shocks on...
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Sean Silverthorne
- 18 Apr 2023
- Research & Ideas
What Happens When Banks Ditch Coal: The Impact Is 'More Than Anyone Thought'
Consumers who are eager to mitigate climate change can take many actions, such as reducing the number of airline flights they take or installing solar panels on their homes. But the planet is in a race against time, and individual action alone won’t help most countries...
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- 23 Mar 2023
- Research & Ideas
As Climate Fears Mount, More Investors Turn to 'ESG' Funds Despite Few Rules
Investor interest in social responsibility has skyrocketed in the past three years, even as US regulations to hold companies accountable remain in flux and the environmental, social, and governance (ESG) label itself draws backlash. Investors are willing to pay a...
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- 04 Apr 2017
- First Look
First Look at New Research, April 4
2015 had secured $12.5 million in seed and Series A funding. The founders must determine the best growth strategy for Alfred. Should they expand Alfred beyond their present operating cities, New York and Boston, or should they focus on...
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Sean Silverthorne
- 16 Mar 2020
- Research & Ideas
How the Coronavirus Is Already Rewriting the Future of Business
tight upcoming turnaround, and how passengers can help the cleaning crew achieve an on-time departure for the next flight. In both cases, we gladly do our part. One caveat: When the rationale for customers to help seems mostly about enhancing profitability, the request...
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by Dina Gerdeman
- 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...
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- 20 Sep 2011
- First Look
First Look: September 20
sections of an empirical research paper (introduction, method, results, and discussion), as well as guidelines on how to evaluate each section. Purchase this note:http://cb.hbsp.harvard.edu/cb/product/512019-PDF-ENG Securities View Details
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Sean Silverthorne
- 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...
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- 12 Sep 2007
- Op-Ed
Building Sandcastles: The Subprime Adventure
negative amortization) turned millions of renters into homeowners. Subprime lending soared from near 0 in the early 1990s to 20.1 percent of all originations in 2006. The subprime lenders hawked their mortgages with glitzy ads, Internet...
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- 09 Apr 2014
- Research & Ideas
A Playbook for Small-Business Job Creation
in the country when they were in their infancy-including Apple and Intel. It's important that we figure out how to do more of this, and SBIC may be a good model to build on." Traditional Bank Lending Is Still Critical, But A Gap...
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- 13 Oct 2010
- First Look
First Look: October 13, 2010
and Collateralized Lending Authors:Jakub W. Jurek and Erik Stafford Abstract This paper develops a parsimonious static model for characterizing financing terms in collateralized lending markets. We...
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Sean Silverthorne
- 07 Sep 2011
- First Look
First Look: Sept. 7
capitalism. Read the article: http://hbr.org/2011/09/global-capitalism-at-risk-what-are-you-doing-about-it/ar/1 A Darker Side to Decentralized Banks: Market Power and Credit Rationing in SME Lending Authors:Rodrigo Canales and Ramana...
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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...
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- 16 Oct 2007
- First Look
First Look: October 16, 2007
a second publisher seeking to close the deal was "shadowing" Grand Central's every move and a preemptive offer of well over a million dollars would be required to secure the acquisition—an exceedingly high amount for a book by a...
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Sean Silverthorne
- 09 Aug 2016
- First Look
August 9, 2016
economic activity? This paper exploits the federal preemption of national banks in 2004 from local laws against predatory lending to gauge the effect of the supply of credit on the real economy. Specifically, we exploit the heterogeneity...
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Sean Silverthorne
- 14 Sep 2010
- First Look
First Look: September 14, 2010
lending data from a financial services organization that implemented a highly decentralized business model. I exploit variation in this organization in whether or not employees are selected via channels that are likely to sort on the...
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Sean Silverthorne
- 02 Sep 2008
- First Look
First Look: September 3, 2008
creation of a system of secure land titles, and a homestead program to encourage cultivation of public lands. During the first phase of American occupation (1898–1918), we find that the progress of implementing these reforms was very...
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Sean Silverthorne
- 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...
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Sean Silverthorne