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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Thirty-one percent of the U.S. programs were entirely locally initiated without ofμcial afμliation with outside agencies such as Working Capital or the NCRC. More than half of the U.S. sample programs (69 percent) were started by ...
Gender Microcredit programs have been hailed as especially important for improving women's access to business capital, as seen in the extremely high percentage of women borrowers (94 percent) at the Grameen Bank.
The developing-country programs are larger and have higher percentage of women clients than the U.S. programs. ... Although women were the clear majority of the other two developing-country programs, 75 and 82 percent respectively, ...
The majority of developing-country sample borrowers (56–72 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.
Fifty-one 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 ...
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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 |