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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... chapter , filing for bank- ruptcy is a result of excessively high project risk rather than character risk . But character risk also plays an important role in a person's recovery from bankruptcy . There is a difference between ...
... chapter . Recall that credit risk is composed of project risk , an assessment of a borrower's ability to repay a loan ; and character risk , an assessment of a bor- rower's willingness to repay a loan . The success of any loan program ...
... chapter stems from an Urban Institute study prepared for the U.S. Department of Housing and Urban Development ( HUD ) , which includes case studies of LMI lending in the U.S. and selected emerging and nations . See Merrill et al ...
... chapter first defines microfinance for housing , and then discusses a number of the approaches to housing microfinance taken in emerging economies - especially in Chile , India , and South Africa , with additional examples from the rest ...
... chapter , we are especially concerned with transfers from emerging markets to the United States . We also briefly mention transfers in the other direction — from the United States to emerging markets - for it helps establish the context ...