Areas of Expertise (4)
Small Business Lending
Local Credit Markets
Hoai-Luu Nguyen is an Assistant Professor in the Real Estate Group at Berkeley Haas. She graduated with a PhD in Economics from MIT in 2015, and a B.Sc. in Economics with a minor in Mathematics from MIT in 2007. Prior to graduate school, she was an Assistant Economist at the Federal Reserve Bank of New York. Her research focuses on small business lending and consumer credit markets.
Massachusetts Institute of Technology: PhD, Economics
Massachusetts Institute of Technology: BS, Economics, Minor in Mathematics
Honors & Awards (3)
Legatum Center Fellowship
MIT Economics Department Fellowship
Phi Beta Kappa
Positions Held (1)
At Haas since 2015
2016 – present, Assistant Professor, Real Estate Group, Haas School of Business
2015 – 2016, Postdoctoral Fellow, Fisher Center for Real Estate and Urban Economics, Haas School of Business
2007 – 2010, Assistant Economist, Federal Reserve Bank of New York
Media Appearances (3)
Bank of America, other banks retooling their branches
The Boston Globe
Hoai-Luu Q. Nguyen, an assistant business professor at the University of California at Berkeley, said she hasn’t walked into a bank branch in a decade, but for some consumers, particularly small businesses, they are crucial.
Nguyen’s research has found that access to business loans for small firms declines sharply and persists for several years after a branch closes, even if there’s another one around the corner, because so much of that lending depends on relationships built over time.
Banking Deserts, Branch Closings, and Soft Information
Liberty Street Economics
U.S. banks have shuttered nearly 5,000 branches since the financial crisis, raising concerns that more low-income and minority neighborhoods may be devolving into “banking deserts” with inadequate, or no, mainstream financial services.
A surprising way bank mergers can devastate poor neighborhoods
When banks merge, they often close branches in an effort to cut costs and eliminate redundancies. When regulators scrutinize these closures to look for the public interest, they typically focus on the idea of avoiding "bank deserts," where residents would lack convenient access to a branch of any bank. Yet since the idea of branch closures is generally to reduce redundancy, they frequently pass regulatory muster.
Selected Papers & Publications (4)
Hoai-Luu Q. Nguyen
Hoai-Luu Q. Nguyen, Michael Greenstone, Alexandre Mas
Hoai-Luu Q. Nguyen, Tobias Adrian, and Markus K. Brunnermeier
Hoai-Luu Q. Nguyen, Niall Coffey, Warren B. Hrung, and Asani Sarka