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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... program rules to facilitate group discipline. The purpose of these programs is to use the developed group discipline as social collateral, and substitute it for the borrowers' lack of physical or μnancial collateral. Innovations in ...
... program characteristics and program design come from two independent studies. Information on U.S. peer group lending programs is based on my 1996 μeld research, which covered 33 program sites across 16 states. The appendix summarizes ...
James H. Carr, Zhong Yi Tong. Directory of U.S. Microenterprise Programs(Aspen Institute Self-Employment Learning ... programs in Kenya and Malawi, like most U.S. programs, were replications of the Grameen Bank model. Although the two ...
James H. Carr, Zhong Yi Tong. size in my survey of U.S. program clients is even smaller than that in Hulme and Mosley ... programs in the United States, although there were turnovers of individual programs within each network. Unless ...
... U.S. programs were entirely locally initiated without ofμcial afμliation with outside agencies such as Working Capital or the NCRC. More than half of the U.S. sample programs (69 percent) were started by community development ...