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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... rates than the average rates for all programs in the U.S. sample. Although the results for the four developing-country programs cannot be generalized to other developing-country replications of peer-group lending, they illustrate the ...
... rate would have long ceased operation. Conclusion. After more than 10 years of trial and error, U.S. peer-group ... rates. This is another handicap to reaching a larger scale of operation. But peer-group lending programs can work in ...
... rates for group loans too high. CashBank also found that group loan products exhibited a major sensitivity to term; whereas those of 1 year's duration or less had an adequate recovery rate, the level of defaults rose extremely rapidly ...
... rates, either on group loans or group guarantees of individual loans. The mapping exercise also helps in exploring options for risk management and the process is useful to support credit assessment by μnancial institutions that are ...
... rate, which provides low-income borrowers with predictable repayments. • Progressive loans are common—that is, there ... rates than individual loans. SEWA offers individual unsecured housing loans, using guarantors as “moral security ...