Replicating Microfinance in the United States
James 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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... Approach The Grameen Bank advocates a credit-only approach to poverty alleviation, without any provision for training in the skills of running a business. This is alternatively called a minimalist approach. This approach was followed by ...
... approach see this as the justiμcation for business training of borrowers. Adding training is a signiμcant adaptation of the peer-group lending methodology to an industrial economy like the United States. The question remains whether ...
... approach of the Grameen model does not address the issue of project risk, presumably because of the low transaction costs of starting and running a microenter- prise in the informal economy of developing countries. But operating in the ...
... et al. (2000). The case studies for Chile, India, South Africa, and the United States were updated and summarized in Housing Finance International, March 2001. approaches to low-income housing have nowhere been able to keep 257.
... approaches—whereby micro- μnance has been tailored to household needs, abilities, and preferences— are proving more ... approach (to meeting standards) are options. Self-construction is the exception rather than the rule as for many ...