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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Developing-country microcredit programs seemed to play more than just an economic function for women borrowers. In a case study of Grameen Bank borrowers, Larance (2001) argued that because of the cultural isolation of women in the ...
Peer groups in these lending programs helped them break the economic, not the cultural, isolation of running a microenterprise in a complex economy. Prior Credit History The lack of access to loans of any type is a more serious problem ...
For the 58 percent of the programs without the low-income orientation, the emphasis was on economic development rather than on poverty alleviation. There is only a μne line between economic development and poverty alleviation.
In other words, programs with an economic development focus tend to be μnancially more sustainable than those with a poverty alleviation orientation. A Minimalist or Credit-Plus Approach The Grameen Bank advocates a credit-only approach ...
Risk-Reduction Results Risk- Bearing Capacity Project Risk Character Risk (Ability to Repay) (Willingness to Repay) Developing-Country Programs Lower—informal economy Lower—stronger version of joint-liability rule, frequent meeting, ...
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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 |