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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... percent of the U.S. pro- grams were entirely locally initiated without official affiliation with outside agencies such as Working Capital or the NCRC . More than half of the U.S. sample programs ( 69 percent ) were started by community ...
... percent women borrowers . The gender composition in the Kenya replication of Grameen 4. In Hulme and Mosley ( 1996 ) , table 1.3 reports that 29 percent of TRDEP clients are female , whereas table 3.3 indicates a 38 percent for the ...
... Percentage femalee 75 29 51 Percentage with no 58 65 72 3883 82 56 prior loanf Family incomes $ 517 $ 1,138 $ 1,756 ... percent ) . At least two U.S. pro- grams served only women . The NCRC and Working Capital , the two larger U.S. ...
... percent ) 5 had not borrowed from any source , including family and friends . This is so in spite of the prevalence of informal credit markets in these countries . Ac- cording to one estimate ( Hulme and Mosley 1996 ) two - thirds of ...
... percent of them had a bank account or had used credit cards , or both . In addition , for 69 percent of the U.S. borrowers , microcredit was only one of their sources of start - up capital . The other sources typically included a ...