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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... policies and procedures rather than on any skill . BRAC was the only developing - country program that provided some training in skills for 3 to 6 months . The debate between a minimalist approach versus a credit - plus - training one ...
... policy grants successful micro- enterprise borrowers a subsidized housing loan . Transaction - Based Operational Focus . In comparison with traditional mortgage finance , microfinance for housing is heavily based in transactions ...
... policy follows a two - track approach . One is geared to the housing needs of the lowest income families , assumed to be nonbankable in the formal sector , and for which the subsidies can be as high as 75 percent of the price of the ...
... policies shift to market - priced lending for both LMI lending and microcredit , more innovative uses are being made of these funds in both the United States and emerging markets . Emerging markets cannot yet take advantage of sec ...
... policy imper- ative to promote LMI homeownership . Over the years , extensive research has gone into documenting the benefits of homeownership . As an ex- ample , a recent paper summarized the various arguments used to promote ...