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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... Emerging Markets and the United States SALLY R. MERRILL AND KENNETH TEMKIN In the developing world , microfinance for housing is a newly emerging financial discipline , having gained considerable momentum in just the past decade ...
... emerging markets lack both a rental sector and a resale market of any size , especially for low - income households , the effective demand for LMI owner housing is probably considerable . New market - based approaches — whereby micro ...
... market and legislative initiatives such as the Community Reinvestment Act ( CRA ) , several emerging - market tools deserve further consideration for would - be U.S. homeowners . The potential for transferability is ana- lyzed after the ...
... emerging - market nations spans both of these sets of descriptors : either or both of these approaches to microfinance are now being practiced in many emerging - market nations . In the United States , however , the LMI lending approach ...
... countries , but is especially so for low - income households . Second , for mortgage collateral to be effective , the lender also must be able to fore- close and evict — which in some emerging economies is either nearly im- possible ...