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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... ( MFIs ) , and NGOs in emerging markets areand will be for some time the driving force in low - income finance for housing . The origins of these in- stitutions are quite varied . Banks may be formalized from NGOs , as with the evolution ...
... MFIs that had previously focused solely on income generation now recognize housing as an important part of their portfolio . In a survey of its lending more than a decade ago , SEWA Bank in India discovered that many of its loans were ...
... , or perhaps the necessary level of “ advocacy ” and commitment . We hypothesize that this is one the main reasons that niche lenders ― MFIs , and NGOs — so dominate microfinance LOW- AND MODERATE - INCOME LENDING 271.
James H. Carr, Zhong Yi Tong. lenders ― MFIs , and NGOs — so dominate microfinance for housing . Even if traditional banks were to realize an overall positive return on the basis of a risk- and transaction - based approach to pricing ...
... MFIS , and financially oriented NGOs have a unique role to play in low - income lending . In addition , it is also im- portant to further partnerships between institutions best able to provide sustainable funding and those best able to ...