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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... clients than for their U.S. counterparts . The majority of developing - country sample borrowers ( 56-72 percent ) 5 had not borrowed from any source , including family and friends . This is so in spite of the prevalence of informal ...
... clients did not include family and friends as a source of prior credit . The majority of U.S. program borrowers had received a mortgage , a student loan , a car loan , or other consumer loans before joining the corresponding microcredit ...
... clients ' project risk before and after obtaining loans . An examination of program design features may shed light on whether any at- tention was paid to this concern . Program Design The Grameen model of using a group mechanism to ...
... clients were generally required for the developing - country and U.S. programs . Mutual responsibility among bor- rowers in the same group may be enhanced if these meetings are frequent , meaningful , and well attended - supplementing ...
... clients were landless ( Wahid 1993 ) , but only 20 per- cent of BRAC clients were such ( table 8.1 ) . For TRDEP , the average family income of the sampled borrowers was twice that of BRAC borrowers , which was $ 100 higher than their ...