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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... problem . In addition , the background of the staff , more than how active they were , affected loan performance . Regression results showed that among the groups with loan delinquency , those under the supervision of staff with a ...
... problems . Program staff intervention at the appropriate time , like extended loan delinquency , may be necessary to supplement group action . Staff intervention is a statement of the limit , but not the failure , of group lending ...
... problems noted above . ( Notably , some would more likely be homeowner candidates if there were a greater supply of low - cost hous- ing , but that is not our concern here . ) Despite these differences , U.S. low - income lending shares ...
... problem in poor and rich nations alike . Historically , however , loans to LMI households have not been available from traditional sources : banks , savings and loan associations or building societies , and other formal institutions ...
... problems has shaped LMI lending . LMI — and especially microloan borrowers not only have no formal credit history ... problem ( and banks in some countries will not share information with each other ) . Very frequently , LMI households ...