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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... less than $10,000. The remaining 59 percent are distributed in the ranges of $10,001–20,000 and $20,001–30,000. 10. To illustrate how a slight change in deμnition may 242 Chi-kan Richard Hung. A Comparison of Peer-Group Lending Programs ...
... less 418 than 10,000 78 n.a. n.a. n.a. 115 170 26,980 26,980 26,980 240 8 3 13 15 19 67 n.a. n.a. n.a. 70 31 3 7 5 33 43.3 4.1 4.5 8.3 (16.4)f 4.5 (6 months) (30 days) (30 days) (30 days) (6 months) n.a. 3 11 4.7 (5.7)f n.a. Risk ...
... less likely than developing- country borrowers to meet outside regular meetings. Thus, developing- country groups have more opportunities to monitor each other than do U.S. groups. In addition, among U.S. peer groups, screening and ...
... joint-liability rule, less frequent meeting, higher travel costs among group members Lower—smaller loan fund economy transaction costs; training helps, but not enough Field research outcome Number of programs 1992 and 1994 Directory.
... to enhance a program's μnancial viability, unless there are sufμcient resources to guide the less experienced in business operation. After all, running a business is not for everyone. Advising FROM SOUTH TO NORTH 251.