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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... limiting the scale at which peer-group lending programs can be replicated in the United States. Gender Microcredit programs have been hailed as especially important for improving women's access to business capital, as seen in the ...
... limited by the interest rates in mainstream credit markets such as credit cards, which typically charge nominal rates of between 15 and 20 percent. Thus, U.S. peer- group lending programs have much less room than their developing ...
... limited comparison of loan delinquency and default suggests that, although there were no exactly comparable rates between the developing- country and U.S. programs for the same deμnition, the two largest networks of U.S. programs ...
... limited in mitigating project risk. Thus, unlike most developing-country programs, U.S. programs, in adapting the group methodology to their communities, have to μnd a way to reduce the project risk of their borrowers. One widely used ...
... limited number of microlenders and banks, especially those dedicated to housing and community development; and (3) as an offshoot of NGO activities in housing, especially NGOs that have developed “sister” μnancial institutions, or other ...