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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... type legislation ) is encour- aging these alliances . In India , for example , partnerships between NGOs and 4. The information on SPARC was obtained from conversations by Sally Merrill with Sheela Patel , its founder , and a recent ...
... types , including , for example , SEWA Bank and SPARC in India , CARD in the Philippines , Casa Melhor in Brazil , Grameen Bank in Bangladesh , People's Housing Trust in South Africa , and UCDO in Thailand . The terms vary : SEWA Bank ...
... types of counseling are pervasive - South Africa's microlenders even dis- tinguish training in “ general household budgeting ” from “ homeowner rights and responsibilities . " Advocacy , Lender " Psychology , " and Staff Training . One ...
... type of personal attention leads to very high administrative costs . For FUNHAVI , the cost of the social worker and ar- chitect alone constitute 5-6 percent of an average loan and overall admin- istrative costs total 18 percent ...
... type , loan purpose , whether the mortgaged unit is owner occupied , the borrower's race , whether the loan was approved , reasons for denial ( if applicable ) , the unit's census tract and metropolitan statistical area , and whether ...