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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... successful in emerging markets; low-income households can afford only small core, or starter, houses or must proceed on an incremental basis. Government-directed, heavily subsidized Much of the material for this chapter stems from an ...
... successful. In the United States, it is not clear whether we should refer to “micro- μnance” for housing. For the moment, perhaps LMI lending is the appropriate term to be used. U.S. low-income borrowers differ considerably from those ...
... successful completion of a micro- enterprise loan, women-only lending, and homeownership counseling. The Importance of Savings and Savings Groups. Microlenders learned long ago that the poor save. Savings groups are a crucial part of ...
... Successful Completion of a Microenterprise Loan. Microlenders that have expanded their loan products to include housing often rely on a successfully completed microenterprise loan as a cornerstone for underwriting a housing loan. As has ...
... successful micro- enterprise borrowers a subsidized housing loan. Transaction-Based Operational Focus. In comparison with traditional mortgage μnance, microμnance for housing is heavily based in transactions. Examples of possible steps ...