Replicating Microfinance in the United States
James 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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... results of peer-group lending programs found in developing countries and the United States. Lessons about the replication of the institutional innovation may then be drawn. There are two guiding questions: Can peer-group lending be ...
... result of an exhaustive search of all these programs in the United States, and thus it was a good representation of ... results of the analysis in this chapter, as indicated in the following discussion on gender and prior credit history ...
... result of excessively high project risk rather than character risk. But character risk also plays an important role in a person's recovery from bankruptcy. There is a difference between continuing to accumulate debt versus staying ...
... result, 41 percent of them report having a family income of less than $10,000. The remaining 59 percent are distributed in the ranges of $10,001–20,000 and $20,001–30,000. 10. To illustrate how a slight change in deμnition may 242 Chi ...
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