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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... instruments . SEWA offers secured loans , using savings deposits as collateral ( the loan can equal up to 85 percent of fixed deposits ) . Savings schemes are at the core of the operations of LOW- AND MODERATE - INCOME LENDING 267.
... operations of SPARC and its affili- ates . The first scheme was the crisis - credit approach of the women's col- lectives , in which very small amounts are saved by poor women . Although this cannot meet the need for capital for housing ...
... and moderate - income lending as a profit- able and essential aspect of their day - to - day operations . Indeed , lenders recognize that the mortgage industry's growth can only be sustained LOW- AND MODERATE - INCOME LENDING 281.
... operations , capital requirements , deposit - taking ability , " formality " of structure , and ability to maintain com- munity purpose — remains a problem for many microlenders . SPARC , for example , has assessed this problem ...
... operating in the United States , with substantial diversity in how they are funded and operated , and in what target populations they serve . There is also a growing body of research and program evaluation information regarding the ...