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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... staff and participants when I visited various program sites for the research.2 Information on developing-country peer-group lending programs was extracted from secondary sources. For this chapter, I have identiμed four Grameen-type ...
... staff in borrowing situations with ongoing delinquency in the group. Implementing both the original and modiμed joint-liability rule requires striking a delicate balance between providing greater access to sustainable credit and ...
... staff need to monitor group actions closely. Client Targeting Microcredit programs in developing countries are hailed as a poverty alleviation strategy. The focus on serving the poor is re×ected in the Grameen Bank's maximum-asset ...
... staff, who are experienced in business operation, and their interactions with fellow peer-group members. These are primarily mentoring activities within peer-group lending programs. Another option is to recruit qualiμed mainstream ...
... Staff. Loan performance is a direct result of the day-to-day operation of peer- group lending programs. The differences between the developing-country and U.S. contexts, as well as program design, may determine peer-group interactions ...