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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... practices. Developing-country microentrepreneurs do not need to go through as many steps in setting up their business while remaining in the informal economy. U.S. microenterprises are also likely to face a more sophisticated ...
... practices, and regulatory structures that have been speciμcally adapted to low-income households. • It may involve community-based partnerships (e.g., community development corporations, or CDCs, NGOs, and community-based organizations ...
... practiced in many emerging-market nations. In the United States, however, the LMI lending approach is a more relevant deμnition of the types of low-income loans for housing that are being made. As is discussed below, there is overlap ...
... practices do not easily support the housing μnance needs of low- income households. The housing μnance sectors of many emerging-market nations are relatively undeveloped. In very-low-income countries, housing μnance lending by ...
... Practices vary, however. Although most microlenders charge a markup over their cost of funds adequate to cover costs, some seek donor and grant funds to keep rates lower. As has been noted, Grameen Bank's explicit policy grants ...