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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... participants in U.S. peer - group lending programs were mostly the working poor - 57 percent of the survey participants were either full time employed or self - employed . Less than one - third of the U.S. borrowers ( 32 percent ) had ...
... participants . In a study of a FINCA village banking model in Costa Rica , Wenner ( 1989 ) found that groups that had done some informal screening of fellow members ' reputation tended to have lower default rates . In my study of U.S. ...
... participants have vested interests in ensuring the continuation of the lending process . Peer - Group Lending Programs and Credit - Risk Management Having compared peer - group lending programs based on the selected field data with ...
... participation in peer - group operation must start early in the group formation and loan approval process , so that the social capi- tal built up gradually may be mobilized to resolve loan delinquency and related problems . Program ...
... participation of those with informal income , which in many emerging markets is the main form of livelihood for low - income households . Loan Products and Lending Procedures in Emerging Markets Because we have broadly defined ...