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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... approaches to their specific needs . Microenterprise lending for income generation is a well developed , more and more commercialized field in emerging - market nations worldwide . Microlending for housing , however , is a much more ...
... approaches to microfinance are now being practiced in many emerging - market nations . In the United States , however , the LMI lending approach is a more rele- vant definition of the types of low - income loans for housing that are ...
... approaches to underwriting , and in some cases are assisted by NGO partners in conducting outreach , counseling , and servicing . In most emerging - market nations , a greatly expanded set of problems has shaped LMI lending . LMI — and ...
... approach to its evolution during the past decade . Group loans are no longer offered ( the long - term group loan product proved a failure because default rates and transaction costs were both very high ) ; the de- fault profile for ...
... approach to low - income housing development fo- cused less on finance and credit than on sites and services projects , incre- mental housing , and a host of related issues : land acquisition , mutual self- help building techniques ...