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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All these factors signiμcantly add to the transaction costs of starting a business in an industrial economy such as the United State—above and beyond those costs microcredit borrowers everywhere incur in participating in a peer-group ...
In comparison with developing countries, the availability of more educational resources and the higher literacy rate in the United States may offset some of the higher transaction costs of starting and running a microenterprise.
The higher transaction costs of setting up a microenterprise in the United States may necessitate proportionally larger loans than those in developing- FROM SOUTH TO NORTH 243. Mudzi Fund, Northeast Carolina, Grameen, Malawi United ...
The traveling costs of attending regular meetings or networking, even with modern means of transportation, are much higher in the United States than in the densely populated villages of developing countries. At least one rural program ...
Moreover, intragroup interaction, in the form of loan screening, monitoring, and enforcement, may substitute for direct staff involvement, and thus may reduce program operation costs. The emphasis on peer groups may seem to downplay the ...
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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 |