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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... require significant in - class training before loan ap- plication began , it nevertheless provided learning packages ( called modules ) that borrowers could study on their own as a peer group . Among U.S. pro- grams , there is a growing ...
... require loan repayments at regular group meetings to enhance loan monitoring . However , group meetings were typically held more frequently in the developing - country programs ( weekly ) than in the United States , where most programs ...
... require weekly meetings , whereas biweekly or monthly meetings are the norm for the U.S. programs . Second , because of physical distance , U.S. peer - group members are much less likely than developing- country borrowers to meet ...
... for a period long enough to make necessary corrections . In the case of the Mudzi Fund , the adjustment requires strengthening the enforcement of the joint - liability rule . A similar U.S. 250 Chi - kan Richard Hung.
... require subsidy assistance to supplement a housing loan , in addition to facing the types of access or credit problems noted above . ( Notably , some would more likely be homeowner candidates if there were a greater supply of low - cost ...