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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One reason to modify the rule may be practical. If group membership Table 8.2 A Comparison of Peer-Group Lending Programs—Design Features Source: 7. Actually, three of the U.S. programs are FINCA afμliates that require a peer group to ...
Another reason may be the limitation of the rule itself. The joint-liability rule is best used to improve a group member's character risk—her willingness to repay a loan, by virtue of establishing a norm of mutual responsibility of loan ...
The small initial loan size and the time costs of reaching the maximum loan size may be another reason that the U.S. programs have not reached the scale of operation of those in developing countries. But raising the initial loan size ...
In general, there are more opportunities for developing-country peer group members to have face-to-face interactions than for their U.S. counterparts—for two reasons. First, all the developing- country programs require weekly meetings, ...
For numerous reasons, including lack of title, lack of ability to evict or foreclose, or lack of a completed dwelling in the case of progressive housing, nonmortgage collateral is required. For some lenders, loans may simply be ...
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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 |