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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... Survey instruments were administered to program staff and participants when I visited various program sites for the research.2 Information on developing-country peer-group lending programs was extracted from secondary sources.
When individual client characteristics are discussed, such as prior loan history, any selection bias favors active participants in these U.S. programs—because only active program clients were available for the surveys.
It is thus much easier for programs in developing countries to reach a larger scale of operation than their counterparts in the United States—the latter may have to invest a lot of resources to reach out and recruit participants to the ...
In contrast, women participants in U.S. peer-group lending programs were much more integrated into the larger society, although gender discrimination might still exist. Peer groups in these lending programs helped them break the ...
Practically none of the U.S. program participants had borrowed a business loan from a bank or similar credit institution. Besides, 18 percent of the US borrowers had μled for bankruptcy before joining the microcredit programs.
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| العنوان | Replicating Microfinance in the United States A Fannie Mae Foundation book |
| المُحررون | James H. Carr, Zhong Yi Tong |
| الناشر | Woodrow Wilson Center Press, 2002 |
| رقم ISBN (الرقم الدولي المعياري للكتاب) | 1930365101, 9781930365100 |
| عدد الصفحات | 387 من الصفحات |
| تصدير الاقتباس | BiBTeX EndNote RefMan |