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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... operations and results of peer-group lending programs found in developing countries and the United States. Lessons about the replication of the institutional innovation may then be drawn. There are two guiding questions: Can peer-group ...
... operation—all based on existing studies and my μeld research in the United States. References will be made to this framework of credit- risk management wherever relevant. Methodology. The data for the discussion on program ...
... operation. At the same time, new programs have emerged, for instance, Working Capital afμliates in Florida and Delaware. According to the 1999 Directory of U.S. Microenterprise Programs (Langer, Orwick, and Kays 1999), there are 49 peer ...
... operation by the time my μeld research was completed. Working Capital, the largest network of U.S. peer-group lending programs, was started by an entrepreneur with extensive Latin American experience. It functioned in partnership with ...
... operation. The average number of clients served by the U.S. sample programs was just over 100, some of whom might not have yet borrowed from the respective programs. The NCRC and Working Capital programs served 66 and 857 borrowers ...