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 example , unless borrowers repay their loans as promised , microfinance is little more than a thinly veiled cash ... incentives that increase the cost of default or increase the benefit of repayment can only improve repayment .
Despite high rates of interest on the loans , repayment rates in these overseas programs have been high , averaging ... Comparing repayment rates across programs may not be appropriate because loan repayments are seldom measured in a ...
... payment penalties 63 Prompt repayment discount 6 Joint repayment liability 19 Progressive lending Funding in phases 13 Selling loans in secondary markets 0 Voluntary savings arrangements 13 Compulsory savings arrangements 6 Bonuses ...
ما يقوله الناس - كتابة مراجعة
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
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