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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More than half of the U.S. sample programs (69 percent) were started by community development corporations with previous experience in service delivery to local residents. Thus, the staff in these U.S. programs was no stranger to the ...
Thus, there are indications that the clientele of developing-country microcredit programs included not just the very poor. Similarly, only 42 percent of the U.S. sample programs targeted low- income residents in the community.
In other words, programs with an economic development focus tend to be μnancially more sustainable than those with a ... in the integrated economy, even for a local community, than the village economy in these developing countries.
... Research Name of U.S. program or organization Southeast Community College Microenterprise 252 Chi-kan Richard Hung ... CO Community Commitment Fund Traverse City, MI Community & Economic Development Ofμce Burlington, VT Community ...
And though U.S. low-income lending no doubt will continue to develop in the unique context of the U.S. market and legislative initiatives such as the Community Reinvestment Act (CRA), several emerging-market tools deserve further ...
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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 |