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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... discussion on program characteristics and program design come from two independent studies. Information on U.S. peer group lending programs is based on my 1996 μeld research, which covered 33 program sites across 16 states. The appendix ...
... discussion on gender and prior credit history of borrowers. Although the sample size in my survey of U.S. program clients is even. 1. Since 1996, μve of the programs in the sample have ceased operation. At the same time, new programs ...
... discussion of rules and design principles, see Ostrom (1990) and Ostrom, Gardner, and Walker (1997). Joint-Liability Rule The four developing-country and U.S. programs shared the general design principles of peer-group lending but with ...
... discussion is based primarily on these studies and my dissertation research (Hung 2000). Group Meetings and Actions All the developing-country programs and 85. 10. To illustrate how a slight change in deμnition may change the comparison ...
... discussion above of loan performance indicates that the larger networks of afμliated peer-group lending programs in the United States, such as Working Capital, the NCRC, and FINCA, have a better chance to stay within this narrow margin ...