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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Prior Credit History The lack of access to loans of any type is a more serious problem for the developing-country program clients than for their U.S. counterparts. The majority of developing-country sample borrowers (56–72 percent)5 had ...
This is not to say that the U.S. borrowers did not have credit problems. ... Given such high costs, μling for bankruptcy is more a problem of not being able to meet μnancial obligations, rather than not being willing to do so.
In the United States, there were instances where blood-related peer-group members notiμed each other of imminent loan repayment problems; and fellow members responded by collective fund raising to cover the delinquency.
The latter have no alternative sources of income to cover loan repayments when a ×edging business runs into cash-×ow problems. In other words, programs with an FROM SOUTH TO NORTH 239.
runs into cash-×ow problems. In other words, programs with an economic development focus tend to be μnancially more sustainable than those with a poverty alleviation orientation. A Minimalist or Credit-Plus Approach The Grameen Bank ...
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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 |