Replicating Microfinance in the United States
"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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The question remains whether business training is sufμcient to enhance the success of these U.S. microenterprises. ... rate in the United States may offset some of the higher transaction costs of starting and running a microenterprise.
The necessary process of setting up a legitimate microenterprise and running it in a modern economy has prompted many programs to provide their clients with upfront training and continuous technical assistance to enhance the success of ...
Field research outcome Number of programs 1992 and 1994 Directory of U.S. Microenterprise Programs 37 Added from other sources (e.g., conferences, referrals) +19 Declined to participate in study −4 No response or unable to contact −5 ...
Name of U.S. program or organization Southeast Community College Microenterprise Fund Southern Sandhills Microenterprise Fund Virginia Eastern Shore Economic Empowerment & Housing Corp. Women's Business Development Corporation Women ...
Microenterprise lending for income generation is a well developed, more and more commercialized μeld in ... It has appeared in several guises: (1) as microenterprise loans, which have been used, in fact, to upgrade and expand dwellings, ...