Replicating Microfinance in the United StatesJames 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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... percent in the United States . About 91 percent of the U.S. programs in Langer , Orwick , and Kays ( 1999 ) " either target low - income individuals or have assisted them directly , " and about half of these programs had some clients ...
... percent market share measured by number of microloans outstanding , complemented by a 2 percent market share of savings banks and post office savings banks . Credit unions accounted for 11 percent of outstanding loans , and NGOs for ...
... ( percent ) 20 16 n.a. Average loan sizea ( dollars ) 75 75 347 Annual family income ( dollars ) 517 1,138 1,756 ... ( percent ) 15 7 20 Average ratio of loan to individual income ( percent ) 70 n.a. 160 Average ratio of loan to per ...
المحتوى
Replicating Microfinance in the United States | 1 |
Current Foundations of Microfinance Best Practices | 97 |
Fulfilling the Potential of the U S Microenterprise Strategy | 169 |
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