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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In carrying out an assessment of this kind , banking supervisors often focus on five areas of risk exposure — the so - called CAMEL components — to identify risk exposures . These components are Capital adequacy , Asset quality ...
A A lender has no direct control over character or project risk . A borrower , however , has complete control of character risk and only partial control of project risk . In a typical commercial loan transaction , a lender may use ...
At regular group meetings , face - to - face interactions among group members are very useful in monitoring both character and project risk . The best indicator is whether a borrower brings to the meeting his or her regularly scheduled ...
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Opportunities and Challenges for Microfinance
Current Foundations of Microfinance Best Practices
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