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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... grams served only women . The NCRC and Working Capital , the two larger U.S. programs reported in table 8.1 , had between half to two - thirds women clients . Thus , unless women were the explicit target clientele , these U.S. programs ...
... grams . Financial mismanagement and unexpected changes in life situations , like divorce , death of a spouse , or loss of employment , may account for bankruptcy . Although filing for bankruptcy may allow the filer to be almost debt ...
... gram rules are adopted . New rules are designed when necessary . The fol- lowing is a comparison of the rules adopted in the selected programs . For a general discussion of rules and design principles , see Ostrom ( 1990 ) and Ostrom ...
... grams . Rules regarding allowing family members in peer group , loan collection guidelines , and savings requirements are similar . Working Capital , Northeast United States No NCRC , North. turnover is high , which is the case for one ...
... gram did not have this requirement . Similarly , about half of the U.S. sample programs allowed family members to be voting members in the same peer group the difference between the NCRC and Working Capital in this pro- gram feature is ...