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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For microfinance lenders , the chief regulatory constraints are laws that cap interest rates and thus limit potential profitability . Banks must publish annual percentage rates and , probably more important , they fear being known as ...
U.S. zoning laws preclude some types of home - based firms , and child - labor laws limit the use of children in the business . These laws ensure important protections , but they also reduce the returns to U.S. microenterprise .
Low incomes and high unemployment obviously limit affordability . A lack of sustainable sources of long - term funds may ultimately be the most limiting macroeconomic factor . High ( and also variable ) inflation is a key problem ...
ما يقوله الناس - كتابة مراجعة
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
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