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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... types of loans (microloans) in these microcredit programs. Some are individual loans like a regular bank loan. Some micro- loans are group based—individual borrowers have to form groups in order The author thanks three anonymous ...
... type of clients targeted . The majority of the programs ( 59 percent ) were less than 5 years into their operation at the time of the survey . The international difference in program origin is parallel to the size of fi- nancial ...
... Type of organizationa NGO Government NGO Malawi Government trust fund Year formedb 1986 1987 1990 1989 Year of survey 1992-93 1992-93 1992-93 1992-93 N ( sample 96 96 100 80 respondents ) d N ( all borrowers or 650,000 25,000 1,177 223 ...
... type is a more serious problem for the developing - country program clients than for their U.S. counterparts . The majority of developing - country sample borrowers ( 56-72 percent ) 5 had not borrowed from any source , including family ...
... type microcredit programs . The Grameen Bank's widely quoted 98 percent loan repayment rate has been regarded as the benchmark for similar programs . The arrears rate meas- ures the proportion of loans that are late in regularly ...