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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... scale in financing . Given that most emerging markets lack both a rental sector and a resale market of any size , especially for low - income households , the effective demand for LMI owner housing is probably considerable . New market ...
... scale intermediation . In response to the very tight funding situation now facing small lenders in South Africa , CashBank has just been purchased by a mainstream bank ( BoE ) , but will continue to focus on LMI housing lending ...
... scale funding.4 Partnerships Low - income housing finance has evolved in a limited number of cases through partnerships . NGOs have formed partnerships with financial in- stitutions , charitable groups , and international donors , with ...
... which started 8. E.g. , the Self - Help Credit Union initially raised capital from local residents through bake sales and other small - scale efforts . in 1999 , Self - Help uses a $ 50 280 Sally R. Merrill and Kenneth Temkin.
... scale . ( In the poorer emerging markets , this constrains mainstream lending to high - income groups as well . ) Many markets also lack various aspects of the infrastruc- ture required to develop an efficient housing finance system ...