Bruce Howard, Ph.D.

Carl R. Hendrickson Professor of Business
On Faculty since 1980

Phone: (630)752-5313


Ph.D. Economics, Northern Illinois University - 1989

M.S. Administration-Accountancy, Northern Illinois University - 1977

B.A. Economics, Wheaton College - 1974

About Bruce Howard

In conjunction with his teaching career, Dr. Howard maintains an active professional association with Tyndale House Publishers serving on their Board of Directors.  Dr. Howard also serves on the Advisory Board of Performance Trust.   He has work experience in health care administration and banking. Dr. Howard has traveled to Kazakhstan to teach and present papers at Kazak-American Free University and University of Kazakhstan. On a personal level, Dr. Howard enjoys spending time with his family. Hobbies include art and music (guitar & banjo) and playing tennis. He and his family are active members in their local church.

Courses Taught

  • Accounting Principles
  • Finance Principles
  • Managerial Accounting
  • Money & Banking
  • Microeconomic Principles

Membership in Professional Societies

  • American Institute of Certified Public Accountants
  • Christian Business Faculty Association


Dr. Howard's current research explores the impact of interest rates on consumer behavior with respect to the use of debt to fund purchases of consumer durables and housing. He has an interest on the impact of taxation at the state and local level. For the last several years he has been studying the historical underpinnings of societal values as they relate to ordering of economic activity.


“Who’s Running Corporate America?”, Journal of Business & Economics Research, Volume 8, Number 3, March 2010, pp. 103-116.

“Getting A Grip On Your Finances”, Networking, The Episcopal Network for Stewardship, Sept 2005, Vol. 10 No. 5.

“Say Goodbye to Greed: 3 Great Ways to Do More For Others and More For Yourself”, Catholic Digest, February 2005, pp. 102-109.

“I Want to Invest, but Where Do I Start?”, Christianity Today,, November 4, 2004.

“Getting A Grip On Your Finances”, Christianity Today,, September 29, 2004.

“Does the Mix of a State’s Tax Portfolio Matter? An Empirical Analysis of United States Tax Portfolios and the Relationship to Levels and Growth in Real Per Capita Gross State Product”, Journal of Applied Business Research, Vol. 19, No. 3, Summer 2003.

Howard, Bruce D. "The Surprising Benefits of Nexus", Journal of Accountancy, November 2002.

Howard, Bruce D. "Borrowing Trouble? The Impact of Debt on Church Life", Leadership, Vol. XXIII No. 4, Fall 2002.

Howard, Bruce D. "Taking the Complexity Out of Simplified LIFO", Journal of Accountancy, July 2001.

Howard, Bruce D. "Cost Swaps and Risk: An Analysis of the Effect of Cost Swaps on Degree of Operating Leverage and Break-Even Points", Journal of Applied Business Research, JABR #870, Winter 2000.

Howard, Bruce D. "Does the Mix of a State's Tax Portfolio Matter? An Empirical Analysis of United States Tax Portfolios and the Relationship to Levels and Growth in Real Per Capita Gross State product", Journal of Applied Business Research, forthcoming, Spring 2003.


Charting the Course: Values for Navigating Life in the Marketplace, Intervarsity Press Authentic/Paternoster Publishers, 2008.

Howard, Bruce D., Safe & Sound, Why You Can Stand Secure on the Future of the United States Economy, (Tyndale House Publishers, 1996).

Howard, Bruce D., You Can't Spank a Kid in a Snowsuit. (Tyndale House Publishers, 1994).

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