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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... effectiveness of peer - group lending programs in serving prima- rily the landless poor , the more sustainable U.S. programs tend to serve the working poor rather than the extremely poor . The latter have no alterna- tive sources of ...
... effectively screened and monitored , and whether enforcement takes place when the credit risk leads to loan delinquency or default . The original credit - only approach of the Grameen model does not address the issue of project risk ...
... effective demand for LMI owner housing is probably considerable . New market - based approaches — whereby micro- finance has been tailored to household needs , abilities , and preferences— are proving more successful . In the United ...
... effective , the lender also must be able to fore- close and evict — which in some emerging economies is either nearly im- possible , or requires many months or years in court . In sum , many of these households cannot be accommodated ...
... effectively underwrite and service the low - income market . CashBank has sought to develop an institution in ... effective , or meet desirable densities . Thus , “ holistic " development process may also include forming community ...