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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... performance. Developing- country program loans relative to various measures of income are equal to or larger than U.S. program loans. more than 3 to 10 times the size of developing-country loans. But if loan sizes were evaluated in the ...
... Performance Remarkable loan performance is a major reason for the widespread interest all over the world in replicating Grameen-type microcredit programs. The Grameen Bank's widely quoted 98 percent loan repayment rate has been regarded ...
... performance was even worse than four of these μve U.S. programs. Program. Operation: The. Role. of. Groups. and. Program. Staff. Loan performance is a direct result of the day-to-day operation of peer- group lending programs. The ...
... performance for both developing-country and U.S. programs. The Role of Program Staff One objective of peer-group lending programs is to facilitate the development of mutual responsibility and trust among borrowers in the same peer group ...
... performance in these lending programs. Having the staff do all the work defeats the purpose of the programs. Relying entirely and only on peer groups may be detrimental to program sustainability. After all, unlike rotating savings and ...