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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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 context of ...
The relatively small U.S. peer-group lending loans, as a percentage of per capita GNP, may not be attractive enough for potential borrowers. All developing-country and U.S. programs use step or progressive loans—initial loans are small ...
In fact, a few U.S. programs also reported zero default rates, like the relatively recent FINCA afμliates in Baltimore, rural Minnesota, and Washington, DC. However, the standard deviations of the U.S. averages for the arrears and ...
The housing μnance sectors of many emerging-market nations are relatively undeveloped. In very-low-income countries, housing μnance lending by commercial banks may be extremely limited, even for upper-income households.
The μnancing approach— which includes small, repeat loans and increasing amounts of savings relative to subsidy—is summarized in table 9.1. The loans are for a maximum of 12 months and are essentially unsecured. Lease to Buy.
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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 |