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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... grams have prompted the development of similar programs in both devel- oping and industrial countries. In the United States, beginning in the late 1980s, similar programs have been adopted and adapted to improve the access to business ...
... grams with multiple program sites - Working Capital , and the North Car- olina Rural Center ( NCRC ) —as well as the Grameen Bank data reported in Hulme and Mosley . Working Capital and the NCRC are separate networks of affiliated ...
... grams were entirely locally initiated without official affiliation with outside agencies such as Working Capital or the NCRC . More than half of the U.S. sample programs ( 69 percent ) were started by community development corporations ...
... grams in the United States serve a small informal sector under the shadow of a fully developed , sophisticated ... gram . This is a contextual factor limiting the scale at which peer - group lending programs can be replicated in ...
... grams served only women . The NCRC and Working Capital , the two larger U.S. programs reported in table 8.1 , had between half to two - thirds women clients . Thus , unless women were the explicit target clientele , these U.S. programs ...