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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... μnancial barriers, such as lack of credit history, poor credit history, variable income, or lack of experience with the μnancial sector. In addition, numerous would-be homeowners confront income barriers. These households are bankable ...
... μnancial sector, whereas microlending for housing has stemmed more directly from microenterprise lending. Together ... μnancial institutions, or other μnancial partnerships, to add housing μnance to their shelter projects.1 Microlending ...
... μnancial institutions and community groups—to aid in the process. Private-sector “champions” of low- income housing—especially NGOs—have always been a force, whether or not they are assisted by government or lending institutions. It is ...
... μnancial sector. They may also be subject to racial or geographic discrimination. Many banks and community development μnance institutions in the United States now attempt to address underserved markets. CRA and other legislation have ...
... μnancial products, correctly priced on a risk-adjusted basis. It has recently been merged with three other low- income LMI lenders and microlenders and has formed a partnership with one of the largest traditional banks, Standard Bank ...