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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See Ferguson and Haider (2000) for a discussion of funding the incremental building process. 3. In October 2001, CashBank was purchased by BoE Bank 260 Sally R. Merrill and Kenneth Temkin.
Historically, however, loans to LMI households have not been available from traditional sources: banks, savings and loan associations or building societies, and other formal institutions offering mortgage μnance.
Thus, generally, NGOs involved in housing and community development work have had a project focus—that is, improvement of an existing neighborhood or building a housing estate. However, just as microenterprise lending has strengthened ...
... construction counseling, site inspections in incremental building, payroll deduction procedures, and aggressive servicing. Lenders may visit the neighborhood and talk to neighbors to help assess income level and “willingness to pay.
Thus, “holistic” development process may also include forming community groups for land acquisition and obtaining bridge μnancing for infrastructure or multifamily buildings. This is a formula which SPARC, for one, ...
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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 |