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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The original sample included 37 peer-group lending programs listed in the 1992 and 1994 editions of the Directory of U.S. Microenterprise Programs(Aspen Institute Self-Employment Learning Project 1992, FROM SOUTH TO NORTH 225.
Directory of U.S. Microenterprise Programs(Aspen Institute Self-Employment Learning Project 1992, 1994). On the basis of information obtained at practitioners' conferences and referrals, another 19 programs were added to the sample.
Regression results showed that among the groups with loan delinquency, those under the supervision of staff with a combination of backgrounds in μnancial management, social service, and self-employment were more likely to prevent the ...
Women's Business Development Corporation Women Entrepreneurs of Baltimore Women's Self-Employment Project Workers of Rural Kentucky Working Capital–Boston Working Capital–Fitchburg Working Capital–Vermont Yadkin Valley Economic ...
... work with paralegal title and income from self-employment, the typical security that low- and moderate- income households can offer. In contrast, mortgage μnance usually re- quires a mortgage lien and formal-sector employment.