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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... income households , the effective demand for LMI owner housing is probably considerable . New market - based approaches — whereby micro- finance has been tailored to household needs , abilities , and preferences— are proving more ...
... income lend- ing no doubt will continue to develop in the unique context of the U.S. market and legislative initiatives such as the Community Reinvestment Act ( CRA ) , several emerging - market tools deserve further consideration for ...
... income loans for housing that are being made . As is discussed below , there is overlap among some of the approaches to microfinance in emerging - market nations . The Importance of Microfinance for Housing Owner - occupied housing ...
... income households . Second , for mortgage collateral to be effective , the lender also must be able to fore- close and evict — which in some emerging economies is either nearly im- possible , or requires many months or years in court ...
... income generation than on housing . Traditional banking practices do not easily support the housing finance needs of low- income households . The housing finance sectors of many emerging - market nations are relatively undeveloped . In ...