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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... require their members to save small amounts regularly , and the proceeds may be put into emergency funds , sol- idarity funds to cover a member's inability to repay an installment , or other accounts designated for special purposes and ...
... require group members to put aside 5 to 20 percent of the approved loan to the group's savings account , which in many cases is held by the program office outside of group mem- bers ' control . The joint - liability rule works only if ...
... require that its clients have land tenure , but does require that the asset be put in the name of the female borrower due to their higher repayment rates . Mutual La Primera in Bolivia will disburse up to 70 percent of the total loan ...
Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
Fulfilling the Potential of the U S Microenterprise Strategy
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