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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... banks . In addition , government efforts — such as those of the Federal Housing Administration ( FHA ) , the entry of Fannie Mae and Freddie Mac in supporting LMI lending through credit enhancement and affordable loan products , and ...
... lending relies far less on the traditional banks that dominate the high - income market for housing finance in ... LMI housing loans.3 Similarly , African Bank , a major niche lender in South Africa , has recently absorbed three ...
... LMI lending through bond issues . In poor countries such as Bangladesh and Ghana , niche lenders supply nearly the only housing finance available to LMI households . The Home Finance Corporation in Ghana has sought to develop an overall ...
... financing for small enterprises and social housing . The church's development foundation bought FINTESA , a Chilean finance company , which was merged in 1983 with a bank to form Banco del Desarrollo . LMI lending for housing is financed by ...
... LMI lending . Although it offers benefits for both underwriting and transaction costs , it clearly limits the participation of those with informal income , which in ... loans tend to have a common LOW- AND MODERATE - INCOME LENDING 269.