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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... social security schemes , government housing agencies have often hired large contractors to build subdivisions en masse . This traditional mode of social housing finance has proved extraordi- narily pernicious , exhibiting low coverage ...
... social housing finance . The subsidy amount is clear and better targeted , households can choose their unit's location , and construction can be less expensive . Direct - demand subsidy programs , however , run up against the challenge ...
... Social in Argentina , simply avoid term risk by match funding loans with very short - term liabil- ities , thus closely mirroring the term management of traditional MFIS . The average loan term for housing at Fundación Pro Vivienda Social ...
... social programs for the poorest . The institutions that run these programs , characterized as shelter advocacy groups , have omitted the mechanisms for high cost recovery and , not surprisingly , recovered modest amounts . Many of these ...
... social safety nets of all kinds . Low - income households live in a world of few windfalls and many wipe- outs from job and income changes , disease , and other events . In this en- vironment , a home of one's own represents an ...