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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... achieving greater impact and scale ( Nel- son 1994 ) . Peer - group lending programs in developing countries serve a large in- formal sector , whereas the formal banking sector is emerging . Similar pro- grams in the United States serve ...
... 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 fi- nancial arm , taking deposits and offering lines of credit , as well as improving NGO evaluations of creditworthiness and structuring lending arrangements . Lease - to ...
... achieving scale , such as the partnership between the African Bank and Standard Bank in South Africa . Alternatively , CashBank's latest evolution - purchase by a mainstream bank - was undertaken in response to funding problems ...
... achieve scope . Finally , microfinance resolves some of the difficul- ties encountered by mortgage finance in developing countries . However , it raises a central challenge of all finance that seeks to go downmarket : how to make small ...