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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... important for improving women's access to business capital, as seen in the extremely high percentage of women borrowers (94 percent) at the Grameen Bank. However, the four newer developing-country programs did not share such ...
... important role in a person's recovery from bankruptcy. There is a difference between continuing to accumulate debt versus staying strictly within one's means after μling for bankruptcy. Because U.S. programs do not restrict bankruptcy ...
... important not to neglect other program features and the conμgurative effects of all relevant rules, although the joint-liability rule is the most signiμcant and distinguishable element of the peer-group lending methodology. Group ...
... important as starting it right. New businesses are prone to failure. Most U.S. programs offered postborrowing business training courses, but they were not usually well attended. Additional assistance could be found in the borrowers ...
... important for subsequent loan performance for both developing-country and U.S. programs. The Role of Program Staff One objective of peer-group lending programs is to facilitate the development of mutual responsibility and trust among ...