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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... industry participantslenders, mortgage insurance companies, secondary market conduits, and government agenciesmade concerted efforts to improve their service to low-income and minority families. In large part, the housing μnance changes ...
... industry in affordable lending”; and language that prohibits the GSEs from discriminating on the basis of prohibited factors, such as a borrower's race, ethnicity, or gender, in their loan purchase ac- tivities. Rather than just ...
... industry has been driven by the legislative requirements of CRA and FHEFSSA, but are sustainable because many lenders perceive low- and moderate-income lending as a proμtable and essential aspect of their day-to-day operations. Indeed ...
... industry's proμts in the long term. Transferability. of. Practices. in. Microμnance. for. Housing. The feasibility of transferring the best practices in housing microμnance across market types is a complex issue. In this chapter, we are ...
... industrial economies? As was discussed above, more reliance on savings policies may 292 Sally R. Merrill and Kenneth Temkin. Approach to low- and moderate-income lending or microlending United States emerging markets Approach used ...