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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... successfully replicated in industrial countries such as the United States? And if it can, what difμculties must this cross-cultural institutional learning overcome? To address these questions ... successful business, 224 Chi-kan Richard Hung.
... successful business, which may depend on not only the person's management competency but also on exogenous factors such as the local, regional, or national economy. A lender has no direct control over character or project risk. A ...
... successful program outcomes but also on achieving greater impact and scale (Nelson 1994). Peer-group lending programs in developing countries serve a large informal sector, whereas the formal banking sector is emerging. Similar programs ...
... successful repayments of all group members to reach the maximum loan size. The small initial loan size and the time costs of reaching the maximum loan size may be another reason that the U.S. programs have not reached the scale of ...
... successful microenterprise is another way to enhance a program's μnancial viability, unless there are sufμcient resources to guide the less experienced in business operation. After all, running a business is not for everyone. Advising ...