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.
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... Fund in Malawi as a government-controlled trust fund. In contrast, the U.S. programs started from very modest beginnings, although several large NGOs with signiμcant experience in Latin America FROM SOUTH TO NORTH 227.
... experience. It functioned in partnership with existing local organizations. So did the NCRC and other regional networks. Thirty-one percent of the U.S. programs were entirely locally initiated without ofμcial afμliation with outside ...
... experience. But table 16.23 reports the same number as 16 percent. Because table 16.23 also reports that 44 percent of Mudzi Fund borrowers have borrowed from family and friends, it is likely that 56 percent is the correct number and 16 ...
... experience loan delinquency. Thus, although developing-country experiences have demonstrated the effectiveness of peer-group lending programs in serving primarily the landless poor, the more sustainable U.S. programs tend to serve the ...
... experience not only shortens the learning curve of local afμliates, but also enhances the scale of operation at the ... experienced in business operation. After all, running a business is not for everyone. Advising FROM SOUTH TO NORTH 251.