Journal of Microfinance / ESR Review


This multiple-case study explores local government's use of HUDfunded microenterprise development assistance for job creation and selfemployment of low-to-moderate-income individuals. Respondent information was reviewed and then supplemented with document analysis and interview materials from earlier research on HUD microenterprise development assistance programs in upstate New York. Because the number of local government respondents who self-identified as providers of microenterprise development assistance was small, it was not possible to generalize research findings to the overall public microenterprise development sector. However, the study of this phenomenon, although limited, does have implications for government microfinance instrumentalities and intermediaries and for future research on publicsector microenterprise development efforts. Based on the participants' self-report, it appears that both urban and rural HUD-sponsored microenterprise development assistance programs create jobs and self-employment opportunities for low-to-moderate-income persons using a myriad of strategies.


James O. Bates is a career civil servant in the federal government and an adjunct faculty member at the State University of New York at Buffalo School of Social Work.



Journal Title

Journal of Microfinance

Issue and Volume