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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... improve the access to business credit in low-income communities. A few hundred of these programs are now in place in various urban and rural communities across the United States. There are two major types of loans (microloans) in these ...
... 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 overwhelming emphasis ...
... improve a group member's character risk—her willingness to repay a loan, by virtue of establishing a norm of mutual responsibility of loan repayment. But it would be poorly targeted to improve the borrower's project risk—her ability to ...
... improve their project risk, and compensate for the limitation of the joint-liability rule. Thus, it is important not to neglect other program features and the conμgurative effects of all relevant rules, although the joint-liability rule ...
... improvement. African Bank seeks to develop appropriate μnancial products, correctly priced on a risk-adjusted basis. It has recently been merged with three other low- income LMI lenders and microlenders and has formed a partnership with ...