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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... Scale of Operation The difference in scale can also be seen in the number of borrowers or clients served by these programs. The Grameen Bank is the largest of all, with 1.4 million borrowers in 1996.3 The other two Bangladesh programs ...
... scale of operation conμrms the concerns of some U.S. practitioners—broadly based support for peer- group lending programs in the United States depends not only on successful program outcomes but also on achieving greater impact and scale ...
... scale in these U.S. programs, it may not be wise to limit borrowers to women only. Any concern for group dynamics in a mixed-gender setting can be resolved by prescribing same-gender groups in a U.S. program. However, the emphasis on ...
... scale of operation of those in developing countries. But raising the initial loan size may increase these programs' exposure to credit risk. If anything, U.S. programs have reduced the initial loan size rather than increasing it, to ...
... scale of operation comparable to developing-country programs. The small beginning loan size and the time and effort necessary to make full use of the maximum loan size may also dampen widespread interest in peer-group loans ...