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Changing Patterns Xiii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2005, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities. This year’s report extends coverage to all counties, regional planning areas, and federally-defined metropolitan areas in Massachusetts.

The text that follows this introduction highlights some of the most significant findings that emerge from …

Demutualization In The Life Insurance Industry: A Study Of Effectiveness, Lal Chugh, Joseph W. Meador

Financial Services Forum Publications

The regulatory and competitive environment in the life insurance industry has changed dramatically in recent years. We investigate the effectiveness of demutualization as a strategic response to the challenges posed by these sweeping changes. The study finds that the demutualized firms generally have implemented a successful strategy based on higher growth, greater profitability, cost effectiveness and shifts in product mix. Also, we find that management takes greater risk in the investment portfolio. In addition, demutualization unlocks value lying dormant in the mutuals’ surplus. The paper concludes that the demutualized firms have generated substantial excess returns over the several market indexes, …

A Primer On Eva For Healthcare Providers, James L. Grant

Financial Services Forum Publications

The concept of economic profit (EVA) has proved successful in the field of corporate finance since its adoption by several U.S. and International companies over the past 25 years. Unlike accounting earnings, EVA is a measure of a company’s true earnings because it fully “accounts” for the costs of all forms of financing, including debt and equity. In the EVA view, a company is not truly profitable unless it earns a return on capital that bests the opportunity cost of capital. That being said, the question that we address here is how to measure the economic profit of providers in …

Software And Internet Industry Workers: Implications For The Future Of Work In Massachusetts, Sarah Kuhn, Paula Raymann

New England Journal of Public Policy

Those at the leading edge of the new economy — workers in software and Internet workplaces — can tell us something about the future of work in our new world. The authors have conducted a National Science Foundation-funded study of women and men working in IT. They find that while pay and the opportunity to do interesting work are major attractions, challenges facing this workforce include stress, difficulties balancing work and family, and concerns about employment security. While women and men reported similar attitudes and experiences in many areas, in others there were still significant differences.

Current Status Of Technology Adoption: Micro, Small And Medium Manufacturing Firms In Boston, Pratyush Bharati, Abhijit Chaudhury

Management Science and Information Systems Faculty Publication Series

Examining the extent and nature of adoption of technologies by micro, small, and medium-sized manufacturing firms in the greater Boston area.

Editor's Note, Padraig O'Malley

New England Journal of Public Policy

The editor's note at the beginning of this journal briefly speaks about each article within. The author touches upon learning, the challenges to an education, the effects of the growth of technology, how world politics interfere with economy, and how employment is affected by technology.

Outsourcing To Non-Identical Suppliers Via Service Competition, Ehsan Elahi, Saif Benjaafar, Karen Donohue

Management Science and Information Systems Faculty Publication Series

In this paper, we consider a single buyer who wishes to outsource a fixed demand for a manufactured good or service at a fixed price to a set of N suppliers. We examine the value of competition as a mechanism for the buyer to elicit good service quality from her suppliers. In particular, we consider a scheme in which the buyer allocates a proportion of demand to each supplier, with the proportion a supplier receives increasing in the service level she offers. Suppliers compete for expected market share, which increases in the offered service level. The suppliers affect their service …

Report I: An Assessment Of The Coastal And Marine Economies Of Massachusetts, University Of Massachusetts Donahue Institute, Urban Harbors Institute, University Of Massachusetts Boston

Urban Harbors Institute Publications

This three-part study — An Assessment of the Coastal and Marine Economies of Massachusetts — provides an analysis of the economic value of the coastal and marine economies as well as an overview of employment, wages, business activities and trends within important sectors of the Massachusetts marine economy. The data used is primarily from 2004, unless otherwise noted.

Latino Business Owners In East Boston, Ramon Borges-Mendez, Brandynn Holgate, Carlos Maynard, Robin Reale, Jennifer Shea

Gastón Institute Publications

The main objective of this research was to investigative the contribution of Latino immigrant business owners (or entrepreneurs) in East Boston. Twelve Latino business owners in East Boston were interviewed and supplementary interviews with public officials and other key informants served to further document the contribution of Latino entrepreneurs. The main finding of the report is that Latino business owners have made, and continue, to make extremely important contributions to East Boston’s economy and neighborhoods.

Changing Patterns Xii: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2004, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In 2003, the report’s geographic coverage was further expanded to include a total of 108 communities.

The text that follows this introduction highlights some of the most significant findings that emerge from the extensive set of tables and charts that constitute the bulk of the report. Part I, together …

Product Customization On The Web: An Empirical Study Of Factors Impacting Choiceboard User Satisfaction, Pratyush Bharati, Abhijit Chaudhury

Management Science and Information Systems Faculty Publication Series

Choiceboards are Web-based systems that allow consumers to customize their orders. The study investigated factors that affect consumers’ intention to use choiceboards. The research is based on Masons’ theory and DeLone and McLean’s model of information system use. It was found that intention to use is affected by overall satisfaction. In turn, these two factors are positively impacted by factors such as system quality and information quality. In spite of support from theory, the evidence for the factor, information presentation was weak.

Understanding The Future Of Global Software Production: Investigating The Network In India, Pratyush Bharati

Management Science and Information Systems Faculty Publication Series

No abstract provided.