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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... households obtain housing . Particularly in developing markets , microfinance for housing is no longer seen as merely an extension of formal mortgage finance , but as a financial tool with unique characteristics to help overcome the ...
... households , the effective demand for LMI owner housing is probably considerable . New market - based approaches — whereby micro- finance has been tailored to household needs , abilities , and preferences— are proving more successful ...
... households ranging from those with moderate in- come to the very poor by adapting sustainable approaches to their specific needs . Microenterprise lending for income generation is a well developed , more and more commercialized field in ...
... households that have lacked access to formal - sector housing loans . LMI lending for housing is defined by some or all of the following characteristics : • It has a mission to focus on LMI households , but is not intended to address ...
... households- has always been a high priority , and better access to owner - occupied hous- ing for low - income households is a problem in poor and rich nations alike . Historically , however , loans to LMI households have not been ...