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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... Higher population density in these developing countries also means that the pool of potential clients or borrowers is likely to be larger in these areas than in comparable U.S. communities . It is thus much easier for programs in ...
... higher percentage of women clients than the U.S. programs . U.S. borrowers have better loan history than developing - country program clients . Developing - country data are from Hulme and Mosley ( 1996 , table 1.3 ) . a Nonprofit 1990 ...
... higher arrears rate than the other developing- country programs in the sample ( see table 8.3 below ) . The program may have moved toward fully implementing the rule by the end of the survey . In the United States , the rule was ...
... higher than their Grameen counterparts ( table 8.1 ) . KREP in Kenya has a maximum - asset limit of $ 5,000 — about three times the sampled borrowers ' average income of $ 1,756 ( table 8.1 ) . Thus , there are indica- tions that the ...
... higher literacy rate in the United States may offset some of the higher transaction costs of start- ing and running a microenterprise . Training comes with costs , and thus adds to the costs of replicating peer - group lending programs ...