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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... issue of replicating peer- group lending in the United States. A. Framework. of. Credit-Risk. Management. In a loan transaction, a lender is concerned about a borrower's creditworthiness or credit risk. Credit risk has two components—one is ...
... issues before focusing on putting the microenterprise on the right footing. In general, participants in U.S. peer-group lending programs were mostly the working poor—57 percent of the survey participants were either full time employed ...
... issue of project risk, presumably because of the low transaction costs of starting and running a microenter- prise in the informal economy of developing countries. But operating in the formal and integrated U.S. economy, even at the ...
... issues. Microμnance. and. Low-Income. Lending. for. Housing. in. Emerging. Markets. This section discusses housing microμnance in emerging-market nations: the institutional structure, the use of alternative collateral and ×exible ...
... issues. In poor countries such as Bangladesh and Ghana, niche lenders supply nearly the only housing μnance available to LMI households. The Home Finance Corporation in Ghana has sought to develop an overall housing μnance system ...