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United Prosperity (organisation)
United Prosperity is a not-for-profit Web-based microcredit organisation.〔(Computer World, ''How technology built the microfinance industry'', 9 March 2009 ), accessed 28 October 2009〕
Unlike most microcredit or person-to-person lending organisations, United Prosperity does not directly lend to the micro-entrepreneur, but instead the micro-loans are used to provide a guarantee to a local bank, which lends to the micro-entrepreneur. Typically the local bank will lend about twice the amount provided by the micro-lender's guarantee, thus providing greater leverage than traditional micro-credit.〔(The Daily Tell, ''Nonprofit Uses Social Guarantors to Support Strugging Entrepreneurs'', 27 August 2009 ), accessed 25 October 2009〕
Another claimed benefit of this approach is that the micro-entrepreneur develops a relationship and, most importantly, a credit history with their local bank, enabling the micro-entrepreneur to become independent of the micro-lenders in the long term.〔(@alliance, ''World’s first person-to-person loan guarantee website enters the field'', 22 June 2009 ), accessed 28 October 2009〕 A criticism of traditional microcredit models is that they can create a long-term dependency between the micro-lenders and the micro-entrepreneur as the micro-entrepreneur never builds a relationship with local banks.〔(Jason Meade, ''An Examination of the Microcredit Movement'' ), accessed 28 October 2009〕
==Notes==
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抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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