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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... performance , and outcomes , is to a large extent at- tributable to the following factors : • limited availability of commercial capital , ⚫ sizable market demand for microenterprises , and • sophisticated microfinance infrastructure ...
... Performance In comparison with the international experience , the scale of microfinance in the United States is much more modest . Currently , about 283 U.S. micro- finance programs each reach 100 to 200 clients annually . Most of these ...
... performance of the industry in general is weak . The best operations consume $ 1.50 in administrative costs for each $ 1.00 loaned , and this measure ranges up to $ 3.60 , with an industry average of $ 2.00 . Of 16 microfinance programs ...
... performance of microcredit programs should be measured because it is critical to build credibility and gain acceptance from funders , policymakers , and practi- tioners . Information on the profitability and overall performance of micro ...
... performance criteria such as loan loss rates , loan delinquencies , risk management , number of clients served , costs per client , and effective serv- ice delivery . These and other relevant measures should be incorporated into ...