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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... micro- loans are group based—individual borrowers have to form groups in order The author thanks three anonymous referees for their comments on an earlier version of the chapter. Zhong Yi Tong's guidance throughout the process is much ...
... micro- loans, such as the Grameen Bank in Bangladesh, can be called peer-group lending programs. A distinctive feature of these group-based microloans is the joint liability group members have in each other's loan. When a group member ...
... micro- enterprises with peer-group loans and interaction with fellow group members. Poverty alleviation means helping program clients become less reliant on public assistance. Programs with a poverty alleviation focus often found it ...
... micro- enterprises. Given the lack of prior credit history for the majority of devel- oping-country borrowers, the peer-group loans may be their only source of μnancing. The relatively small U.S. peer-group lending loans, as a ...
... Micro Enterprise Assistance Program Pittsburgh, PA Monroe County Community Services Corporation Union, WV Mountain Microenterprise Fund Asheville , NC North Carolina Rural Economic Development Center Raleigh, NC Pace, Inc. New Bedford ...