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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... U.S. peer - group lending programs , was started by an entrepreneur with extensive Latin American experience . It functioned in partnership with existing local organizations . So did the NCRC and other regional networks . Thirty - one ...
... U.S. sample programs was just over 100 , some of whom might not have yet borrowed from the respec- tive programs ... United States depends not only on success- ful program outcomes but also on achieving greater impact and scale ...
... programs in other countries are from sources listed in the notes below . = Note : n.a. = Not available . BRAC = Bangladesh Rural Advancement Committee . TRDEP = Thana Resource Development and Employment Programme . NGO = nongovernmental ...
... United States Nonprofit NCRC , North Carolina , United States U.S. Programs Nonprofit 41 % in 1991 or earlier 1996 174 in 33 sites Grameen , Bangladesh 80 % member 20 % government 1976 n.a. n.a. 857 66 3,332 + ( average : 111 ) 1.4 ...
... U.S. program borrowers had received a mortgage , a student loan , a car loan , or other consumer loans before joining the corresponding microcredit programs . Fifty - one percent of them had a bank account or had used credit cards , or ...