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. |
من داخل الكتاب
النتائج 6-10 من 49
... activities . Among some of the most notable changes , Fannie Mae and Freddie Mac have adopted more flexible underwriting guidelines , such as lower down - payment require- ments ; and they have introduced affordable mortgages that allow ...
... activities in the United States . Conference participants included leaders of nationally recognized micro- finance institutions , senior government officials , senior foundation execu- tives , leaders of trade associations and ...
... activities . Other uses of the small loans received by the clients include “ consumption smoothing " ( which is credit used to supplement income ) , housing , and education . Because microenter- prise support through microcredit can be ...
... activities such as food pro- cessing and petty trade , whereas in the United States microenterprises can be found in industries across the board , from manufacturing to services to 1. The U.S. government , the largest supporter of ...
... activities . As a result , although there is always a business behind the borrower , the microloan might be used for housing , education , consumption smooth- ing , or creating a new business depending on household needs at the time ...