Replicating Microfinance in the United States"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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... not only on successful program outcomes but also on achieving greater impact and scale (Nelson 1994). Peer-group lending programs in developing countries serve a large informal sector, whereas the formal banking sector is emerging.
Although Larance's case study might not represent the norm, it nevertheless demonstrated the social impact that peer-group lending could achieve in developing countries. In contrast, women participants in U.S. peer-group lending ...
... necessary to 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.
Meanwhile, as has been discussed, partnerships with μnancial institutions are potential solutions for achieving scale, such as the partnership between the African Bank and Standard Bank in South Africa. Alternatively, CashBank's latest ...
It also provides a potential solution to the conundrum of social housing programs: how to simultaneously reduce subsidies and achieve scope. Finally, microμnance resolves some of the difμculties encountered by mortgage μnance in ...
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| العنوان | Replicating Microfinance in the United States A Fannie Mae Foundation book |
| المُحررون | James H. Carr, Zhong Yi Tong |
| الناشر | Woodrow Wilson Center Press, 2002 |
| رقم ISBN (الرقم الدولي المعياري للكتاب) | 1930365101, 9781930365100 |
| عدد الصفحات | 387 من الصفحات |
| تصدير الاقتباس | BiBTeX EndNote RefMan |