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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... limited number of cases through partnerships . NGOs have formed partnerships with financial in- stitutions , charitable groups , and international donors , with each member of the partnership following its comparative advantage . The ...
... Limited 1997 ) . Borrowers with little or no banking experience generally require assistance in understanding the process of obtaining and paying off a loan , or architectural assistance for housing borrowers using self - help ...
... Lack of credit enhancement No credit bureau or income data Mortgage collateral not realizable Racial discrimination Geographic discrimination processing limited underwriting information to develop better profiles of who.
... to establish credibility, provide collateral,. processing limited underwriting information to develop better profiles of who can and who will pay ; Note : CBOs are community - based organizations ; CDCs LOW- AND MODERATE - INCOME LENDING ...
... limited number of emerg- ing markets . This is also the case ( although less so ) for primary market support sys- tems , such as mortgage - related insurance products , credit bureaus , stan- dardized underwriting , methodologies , and ...