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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... serve as collateral , to ameliorate character risk . The lender may also require a detailed business plan from the borrower to evaluate her project risk . Loans are usually granted to in- dividuals . One borrower's credit risk does not ...
... 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 have been around since the mid- to late 1980s and thus have served more borrowers ranging from ...
... served 223 and 1,177 borrowers respectively in their 3 to 4 years of operation . The average number of clients ... serve a small informal sector under the shadow of a fully developed , sophisticated banking sector . The informal ...
... served only women . The NCRC and Working Capital , the two larger U.S. programs reported in table 8.1 , had between half to two - thirds women clients . Thus , unless women were the explicit target clientele , these U.S. programs in the ...
... serving the poor is reflected in the Grameen 8. The statement is based on the author's conversation with program officers and a program executive's presentation at a national conference of U.S. microenterprise programs . Bank's maximum ...