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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... social collateral embedded in group disci- pline , which is facilitated by the joint - liability rule and regular group meet- ings . The purpose of the rule is to enhance group members ' willingness to repay their loans . In case one ...
... social impact that peer - group lending could achieve in developing countries . In contrast , women participants in U.S. peer - group lending programs were much more integrated into the larger society , although gender discrimination ...
... social status — becomes frequent inside and outside the regular meetings . This is facilitated by the proximity of Grameen Bank borrowers . The vil- lage in Larance's study is about 1 mile from one end to the other . Similarly , the ...
... social service , and self - employment were more likely to prevent the delinquencies from becoming defaults ( Hung 2000 ) . Relying entirely and only on peer groups may backfire , if program staff does not monitor the groups . The ...
... social capi- tal built up gradually may be mobilized to resolve loan delinquency and related problems . Program staff intervention at the appropriate time , like extended loan delinquency , may be necessary to supplement group action ...