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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... income individuals to start and maintain small businesses called microenterprises. The early successes of these pro- grams have prompted the development of similar programs in both devel- oping and industrial countries. In the United ...
... income of $ 1,756 ( table 8.1 ) . Thus , there are indica- tions that the clientele of developing - country microcredit programs in- cluded not just the very poor . Similarly , only 42 percent of the U.S. sample programs targeted low- ...
... income ( dollars ) 517 1,138 1,756 Average annual individual incomed ( dollars ) 107 n.a. 217 GNP per capita , 1995 ° ( dollars ) 240 240 770 Average ratio of loan to family income ( percent ) 15 7 20 Average ratio of loan to individual ...
... income . Per- sonal income information is not available for U.S. program clients . If per capita gross national product ( GNP ) is used as a reference point , the average U.S. loan size amounted to only 5 percent of per capita income ...
... Income Lending for Housing in Emerging Markets and the United States SALLY R. MERRILL AND KENNETH TEMKIN In the developing world , microfinance for housing is a newly emerging financial discipline , having gained considerable momentum ...