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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... serving the core poor with a maximum - asset requirement of 1 hectare of land . Although the two other ... serve the working poor rather than the extremely poor . The latter have no alterna- tive sources of income to cover ...
... serve as mentors to these fledging microenterprises . In comparison with developing countries , the availability of more educational resources and the higher literacy rate in the United States may offset some of the higher transaction ...
... served clients coming not from the same immediate neighborhood , but from a larger geographic area , such as the same city , county , or even metropolitan area . The traveling costs of attending regular meetings or networking , even ...
... served a crucial role , they have tended to retain a “ project - by - project ” focus and have generally not reached scale in financing . Given that most emerging markets lack both a rental sector and a resale market of any size ...
... serve as many creditworthy borrowers as possible ( Fishbein 1992 ; Temkin , Quercia , and Galster 2001 ) . As a result , CRA re- quires that federally regulated lenders help meet the credit needs of local 6. FHEFSSA also required Fannie ...