Replicating Microfinance in the United States
James 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.
النتائج 1-5 من 100
... examples include the Grameen Bank in Bangladesh, and FINCA and ACCION in Latin America. These programs extend loans to low-income individuals to start and maintain small businesses called microenterprises. The early successes of these ...
... example of countries in the North learning from the South. After a few years of experimentation, both practitioners and researchers began to realize that transplanting these programs to low- income communities in North America requires ...
... example, providing 15 to 30 hours of such training, which typically covered such topics as business incorporation, marketing, accounting, and legal and tax matters. Although Working Capital followed the credit-only approach and did not ...
... especially in Chile, India, and South Africa, with additional examples from the rest of the world. We then review low-income lending techniques in the United States. At least some of these 258 Sally R. Merrill and Kenneth Temkin.
... examples of banks entering into partnerships with NGOs or establishing separate divisions for microenterprise lending. Currently, however, this tends to be focused more on income generation than on housing. Traditional banking practices ...