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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... efficient or to lend downmarket . Nor are they likely to form partnerships to accom- plish downmarket entry . Barriers in the United States . In contrast , the U.S. legal , administrative , and financial framework for traditional ...
... efficient primary market . Note that we think it is im- portant for the United States to provide guidance in systems development— that is , efficient systems of primary lending , intermediation , and risk man- agement . However , it ...
... efficient primary market . Developing the primary market benefits not only mainstream housing finance , but also puts in place the prerequisites for many innovations in microfinance lending , including the fostering competition and ...
... efficiency and productivity studies have been undertaken for microenterprise lenders , and benchmark standards have begun to emerge . To our knowledge , however , housing microlending has not been explicitly addressed . At a minimum ...
... efficiency of cities , which account for the great bulk of national product . Although the lack of financing and real estate market distortions decrease the economic uses of housing in many developing coun- tries , housing still ...