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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... finance and tradi- tional mortgage finance , it should be viewed as a unique methodology for assisting low- and moderate - income ( LMI ) households obtain housing . Particularly in developing markets , microfinance for housing is no ...
... LMI lending is the appro- priate term to be used . U.S. low - income borrowers differ considerably from those in ... lending shares at least some of the features of microlending for housing in the developing world , al- though it ...
... LMI housing finance has its origins largely in the traditional financial sector , whereas microlending for housing has stemmed more directly from microenterprise lending ... lending for income generation is a well developed , more and ...
... LMI lending for housing has its roots in traditional formal- sector housing finance , and may involve formal institutions and regulations . However , whether LMI lending is carried out by traditional banks or by community development ...
James H. Carr, Zhong Yi Tong. mortgage credit . Extensive outreach , homeowner counseling , and ag- gressive ... LMI lending approach is a more rele- vant definition of the types of low - income loans for housing that are being ...