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. |
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... Savings and Credit Associations. NCRC North Carolina Rural Center. The selected developing-country and U.S. programs are at similar stage of development. The developing-country programs are larger and have higher percentage of women ...
... saving and credit associations, which were indigenous mutual-help credit institutions common in developing countries. Re×ecting the extreme poverty of Grameen Bank's clients, 82 percent of them had not received a loan from any source ...
... savings, loans from family and friends, and credit cards. This is not to say that the U.S. borrowers did not have credit problems. Practically none of the U.S. program participants had borrowed a business loan from a bank or similar ...
... savings requirements are similar. turnover is high, which is the case for one of the two U.S. programs, re- stricting a new group member's access to loans on the basis of a delinquent loan that he or she was not involved in approving ...
... savings and credit associations, in which each member contributes to the fund and thus has a stake in the money pool itself, funding for these programs comes from external sources. Both the program and participants have vested interests ...