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Financial Habits of Low-to-Moderate Income Hispanics and Non-Hispanics

Encuesta, Inc., ACCION USA 
Published: 2008, Electronic, 21 pages. 

Financial Status and Debt Management Strategies of Low-to-Moderate Income Hispanics and Non-Hispanics

Encuesta, Inc., ACCION USA 
Published: 2008, Electronic, 25 pages.
This 2007 Financial study, a collaboration between ACCION USA and market research firm Encuesta, Inc., sheds light on the financial attitudes and behaviors of U.S. low-to-moderate income (LMI) individuals, with a special focus on Hispanics and how their attitudes compare to other LMI individuals. Findings of the study, broken out into two separate reports, delve into areas including basic financial habits, status and credit/ debt management strategies. The study also examines the banking level of LMI individuals and touches upon where improvements can be made to move this group into more mainstream banking habits.

Innovations in Microenterprise Development in the United States
William Burrus
Published: 2006, Paperback, 28 pages. 
This paper outlines the history of the microenterprise field in the United States, the characteristics of the current microenterprise market, and the challenges presently facing the field. It describes the creation in the late 1980s and early 1990s of organizations providing credit and business training to self-employed Americans lacking access to traditional bank loans. Two decades later, despite rapid growth in the number of microenterprise institutions, the field has still reached only a tiny percentage of the estimated number of small business owners who have never had a bank loan. It faces increased competition from banks and financial institutions, as well as uncertain sources of future funding. The author concludes that achieving scale and financial self-sufficiency should the primary goal for the field of microenterprise. He proposes increased specialization and consolidation of existing groups as important steps for the microenterprise field to take to develop into a microenterprise industry.

A Guide to Strategic Marketing Research for Microenterprise Development in the United States
Sarah Abbe, William Burrus, Anne Haines Yatskowitz
Published: 2001, Paperback, 65 pages. 
The U.S. microenterprise development field has matured considerably in recent years. However, as this guide argues, to reach scale, microlending organizations need to become more adept at conducting market research in order to retain current clients and attract new ones. The quantitative and qualitative results of market research conducted across the ACCION USA Network are presented, along with thorough explanations of market research techniques. This publication is one of the first practical guides on conducting market research for the U.S. microenterprise market made available to the public.

To purchase a copy of this publication, A Guide To Strategic Marketing Research, please visit www.accion.org.

Measuring Client Success: An Evaluation of ACCION’s Impact on Microenterprises in the United States
Cristina Himes, Lisa J. Servon
Published: 1998, Paperback, 112 pages. 
This study presents the methodology, findings and conclusions of ACCION's study of how microenterprises that have received credit from the first six ACCION U.S. programs have fared over time. The quantitative results of the analysis of financial data collected from participating microentrepreneurs are presented, along with qualitative interviews with a sample of clients. This publication is the first evaluation of how credit affects microentrepreneurs in the United States to be made available to the public.

To purchase a copy of this publication, Measuring Client Success, please visit www.accion.org.

Building a Model: ACCION'S Approach to Microenterprise in the United States
William Burrus, Katherine Stearns
Published: 1997, Electronic, 80 pages. 
National interest in microenterprise as a strategy for poverty alleviation and economic development is growing rapidly in both the public and private sectors of the United States. Based on cumulative experience in Latin America and the United States, ACCION and its network of six U.S. associates have developed a model combining the social aim of improving the lives of the marginalized self-employed with the financial aim of reaching institutional self-sufficiency. This document explores the three goals (impact, scale and self- sufficiency) that form the core of the ACCION U.S. model and assesses the evolution of the microenterprise field in the United States.

To purchase a copy of this publication, Building a Model, please visit www.accion.org.