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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... microentrepreneurs participate in a microcredit pro- gram , they are also preparing themselves to be part of the formal economy , if they have not already done so . They need to establish legally recognized businesses with proper ...
James H. Carr, Zhong Yi Tong. the project risk of U.S. microentrepreneurs than to do the same for their developing - country counterparts . Proponents of the credit - plus approach see this as the justification for business training of ...
... microentrepreneurs . Although loans are ostensibly for the business enter- prise , households often spend funds on emergencies and ongoing house- hold needs such as housing improvements . Many managers of micro- enterprise loan programs ...
... microentrepreneurs value quick access much more than cost , and can pay high rates for ready access to capital . No similar consensus has developed in the housing finance field . Hous- ing advocates , financial institutions , and ...
... micro- entrepreneurs typically need credit much more than counseling . When train- ing is offered , it is generally through expensive state or private training institutes , but sometimes though voucher or cost - sharing programs that ...