Replicating Microfinance in the United States
James H. Carr, Zhong Yi Tong
Woodrow Wilson Center Press, 28/06/2002 - 387 من الصفحات
"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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... default usually made no more than a couple of monthly installments on loan terms that ranged from 18 to 24 months for the programs . Further , agencies had written off loans with partial payments , and had not made any effort to collect ...
... default rates for the U.S. average , Working Capital , and the NCRC would be 4.7 , 3.2 , and 6.9 percent , respectively.10 This limited comparison of loan delinquency and default suggests that , although there were no exactly comparable ...
... default rates . In my study of U.S. peer - group lending programs , group screening at the stage of group formation and loan review also reduced the likelihood of loan default at the group level ( Hung 2000 ) . More specifically , U.S. ...
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
Fulfilling the Potential of the U S Microenterprise Strategy
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