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. |
من داخل الكتاب
النتائج 1-5 من 13
... risk - based pricing strategies , and common types of transactions , such as counseling . Brief case studies are included to elaborate on some of the points . The Institutional Structure of Microfinance A wide variety of institutions ...
... based in the home , housing loans are con- sidered key to business expansion ( Chen and Snodgrass 1999 ) . Overdue payments are commonabout 40 percent of ... Risk - based pricing is an essential 270 Sally R. Merrill and Kenneth Temkin.
James H. Carr, Zhong Yi Tong. credit risk . Risk - based pricing is an essential tool for being able to offer higher risk products in higher - risk markets and cover costs . Conversely , policymakers , regulators , and bank managers must ...
... risk- and transaction - based approach to pricing , in some cases there would be an element of staff “ psychology ” ( is it habit ? discrimination ? ) that would have to be addressed . In addition , some low income borrowers may not ...
... plus credit approach is a feature of a number of local and state hous- ing programs , but the role of savings ... Based on the Costs of Transactions and Risk . In emerging markets , the push toward risk - based pricing has been an ...