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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Most borrowers from a relatively large U.S. network of microfinance lenders had credit card debt ( Himes and Servon 1998 ) , and they often used microfinance loans to consolidate other debts . The poor in the United States also have ...
Table 5.1 Programs ( and Countries ) by Number of Borrowers Fewer than Between 10,000 and More than 10,000 borrowers 500,000 borrowers 500,000 borrowers ACEP ( Senegal ) ABA ( Egypt ) BRAC ( Bangladesh ) CERUDEB ( Uganda ) ACP / MiBanco ...
The majority of U.S. program borrowers had received a mortgage , a student loan , a car loan , or other consumer loans before joining the corresponding microcredit programs . Fifty - one percent of them had a bank account or had used ...
ما يقوله الناس - كتابة مراجعة
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
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