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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... practices in the 1990s to increase their service to low- and moderate-income borrowers. These changes connected an increased number of low-income borrowers with mainstream lending institutions. However, some low-income borrowers ...
... Practices. in. Microμnance. for. Housing. The feasibility of transferring the best practices in housing microμnance across market types is a complex issue. In this chapter, we are especially concerned with transfers from emerging markets to ...
... practices for housing in emerging markets include: • encouraging—or developing—lenders that are focused on communities and on the LMI lending or microcredit market; • creating incentives for partnerships among community institutions and ...
... practices are 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 ...
... practices we have described generally have not been formally analyzed.13 This is also true to some extent of the United States. For ex- ample, there is not yet an overall quantitative assessment of CRA, although the Federal Reserve has ...