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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... achieve financial sustainability . By the early 1990s , cutting edge microfinance institutions ( MFIs ) had become profitable . Sophisticated microfinance NGOs more and more grew to become banks ( BancoSol in Bolivia ) , or finance ...
... achieve financial sustainability . In particular , efficient underwriting methods can help loan officers maxi- mize their customer portfolios . The most successful microfinance institu- tions have achieved dramatic success in boosting ...
... achieved rates comparable to best practices in micro- enterprise finance and equal or above those of lending to ... achieving profitability , is a highly familiar one to practitioners of housing finance and microenterprise finance alike ...
... achieve revitalization , judicious use of subsidies from a wide range of sources ( e.g. , many levels of government , foundations , a revised tax code ) , ample financial creativity , and the ability to work with and communicate with ...
... achieved with the full knowledge and consent of the lender . The applicability of microlending to housing in developing countries is enhanced by a phenomenon prevalent in these countries called progressive or incremental housing ...