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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... donors , with each member of the partnership following its comparative advantage . The NGO partner most often assists with outreach , counseling , underwriting , and servicing ; the financial institutions provide structure and guidance ...
... donor and grant funds to keep rates lower . As has been noted , Grameen Bank's explicit policy grants successful micro- enterprise borrowers a subsidized housing loan . Transaction - Based Operational Focus . In comparison with ...
... donors and charities supplying external funds , forms a financially sustainable process . The financing approach— which includes small , repeat loans and increasing amounts of savings rela- tive to subsidy - is summarized in table 9.1 ...
... donor , government , and charitable funds for use in subsidy schemes , especially for interest rates . As policies shift to market - priced lending for both LMI lending and microcredit , more innovative uses are being made of these ...
... donor subsidies . Best practice ( large - scale , high technology , low cost per loan ) typical of bank originators involves no subsidies not exceed 25 percent of household income . Cosigners are often re- quired , and solidarity groups ...