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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... associated with securing a charter , incorporating , and other types of start - up expenses ( e.g. , printing stationery ) amounted to between $ 85,000 and $ 190,000 . Moreover , community development banks must raise enough capital to ...
... associated with initiating a new credit union are less than those for a com- munity development bank . Newly chartered credit unions are not required to pay a fee to regulators . With volunteer assistance , new credit unions can be ...
... associated with term risk . In contrast , housing microfinance , whether for self - help home improve- ment and expansion or for new construction of basic core units , has much shorter terms . These short - term assets better fit the ...
... scale within the microfinance industry by eliminating the interorganizational tensions associated with affiliate - based models . MFIS should also partner with major human services organizations and encour- THE FUTURE OF MICROFINANCE 347.
... associated with lower levels of financial self - sufficiency , whereas organ- izations that have activities in more economically developed countries seem to be less financially self - sufficient than those in less - developed countries ...