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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... achieve in developing countries. In contrast, women participants in U.S. peer-group lending programs were much more integrated into the larger society, although gender discrimination might still exist. Peer groups in these lending ...
... achieve sustainability and scale. These institutions act as the μnancial arm, taking deposits and offering lines of credit, as well as improving NGO evaluations of creditworthiness and structuring lending arrangements. Lease-to-Buy ...
... achieve scope. Finally, microμnance resolves some of the difμculties encountered by mortgage μnance in developing countries. However, it raises a central challenge of all μnance that seeks to go downmarket: how to make small loans ...
... achieve μnancial sustainability. By the early 1990s, cutting edge microμnance institutions (MFIs) had become proμtable. Sophisticated microμnance NGOs more and more grew to become banks (BancoSol in Bolivia), or μnance companies (Caja ...
... achieve μnancial sustainability. In particular, efμcient underwriting methods can help loan ofμcers maximize their customer portfolios. The most successful microμnance institutions have achieved dramatic success in boosting their ratios ...