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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... potential for credit - risk reduction , the sustainable margin for error in U.S. programs is much smaller than that for developing - country programs . A margin for error is sustainable if the loan performance , given a program's risk ...
... potential for transferability is ana- lyzed after the U.S. discussion , and we end with a section that presents our conclusions . Microfinance for Housing : Definition and Importance Defining Microfinance Our definition of microfinance ...
... potential is high . It should be noted , however , that these cases may be exceptions to the rule . Although many low - income lenders — both niche banks and NGOs— have hoped to address their capitalization and funding problems via part ...
... potentially unique needs ( Canner and Passmore 1995 ) . In response , a number of alternative financial institutions have been created to provide credit in areas that may be underserved by mainstream financial institutions . These new ...
... potentially transferable to high - income emerging markets . In contrast , for low - income nations , the transfer potential is more limited . Finally , we emphasize again that many of the key LMI lending methodologies are already being ...