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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... borrowers have better loan history than developing-country program clients. a Developing-country data are from Hulme and Mosley (1996, table 1.3). was almost evenly distributed between men and women. Although women were the clear ...
... borrowers. In a case study of Grameen Bank borrowers, Larance (2001) argued that because of the cultural isolation of women in the Bangladesh location she studied, group members did FROM SOUTH TO NORTH 231. Northeast United States ...
... borrowers in Grameen and other programs might have received loans.6 But this last fact might have no bearing on the creditworthiness of the borrowers themselves, because they applied for the loans as individuals, not families. In ...
... borrowers, microcredit was only one of their sources of start-up capital. The other sources typically included a combination of personal savings, loans from family and friends, and credit cards. This is not to say that the U.S. borrowers ...
... borrowers reveal their creditworthiness to lenders. In the United States, formal credit institutions have been developed to help borrowers demonstrate or monetize their willingness and ability to repay a loan—for instance, through the ...