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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... lending programs . A distinctive feature of these group - based microloans is the joint liability group members have ... lending programs found in develop- ing countries and the United States . Lessons about the replication of the ...
... lender may use various methods to evaluate and mitigate credit risk . For instance , a lender may check a borrower's credit history to determine her credit risk . The lender may also require a marketable asset to serve as collateral ...
... lending program , and some were just too far away . The final sample was the result of an exhaustive search of all these programs in the United States , and thus it was a good representation of active programs at the time.1 Survey ...
... lending programs in the United States depends not only on success- ful program outcomes but also on achieving greater impact and scale ( Nel- son 1994 ) . Peer - group lending programs in developing countries serve a large in- formal ...
... lenders . In the United States , formal credit institutions have been developed to help borrowers demonstrate or monetize their willing- ness and ability to repay a loan - for instance , through the history of credit card payments and ...