Replicating Microfinance in the United States
"With the publication of this volume, knowledge and understanding of the practices of delivering micro-credit reach a new level of consolidation, and the stage is set for important further steps."—from the Foreword by Richard P. Taub, University of Chicago
Microfinance was pioneered in the developing world as the lending of small amounts of money to entrepreneurs who lacked the kinds of credentials and collateral demanded by banks. Similar practices spread from the developing to the developed world, reversing the usual direction of innovation, and today several hundred microfinance institutions are operating in the United States.
Replicating Microfinace in the United States reviews experiences in both developing and industrialized countries and extends the applications of microlending beyond enterprise to consumer finance, housing finance, and community development finance, concentrating especially on previously underserved households and their communities.
Contributors include Nitin Bhatt, Robert M. Buckley, Bruce Ferguson, Elinor Haider, Chi-kan Richard Hung, Sally R. Merrill, Jonathan Morduch, Gary Painter, Sohini Sarkar, Mark Schreiner, Lisa Servon, Ayse Can Talen, Shui-Yan Tang, Kenneth Temkin, Andres Vinelli, J. D. Von Pischke and Marc A. Weiss.
Replicating Microfinance in the United States is based on papers commissioned by the Fannie Mae Foundation and findings from an October 2001 conference jointly held by the Fannie Mae Foundation and Woodrow Wilson International Center for Scholars in Washington, D.C.
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In sum , microfinance may have two types of benefits : direct benefits for poor entrepreneurs , and indirect benefits that ... If the cost of the supply of microfinance borne by the poor entrepreneur exceeds the direct benefit for the ...
In private firms , the benefits of innovations accrue to the owners , who thus have self - interested reasons to pressure ( and reward ) employees to improve efficiency and quality . Nonprofit organizations , in contrast , lack owners ...
Social cost - benefit calculations may carry little weight in political decision making . ... States by the realization that the calculation of social costs and benefits is subject to perverse incentives ( Shleifer and Vishny 1998 ) .
ما يقوله الناس - كتابة مراجعة
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
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