berrnwer rnnsl be a eonn-rbnror laeriye rnveslrnenll. The skills guup help lo seleer quupmlrnl, lesl rnrrrhob lpresale or prodners rs ldeall. IrMn yuung ennopreneurs in bookkeeping, and lied resounes and malerlals Very few ol snen pobliely needed, pnbliely londed and publicly open busrnesses Tall Everybody rs sell- lnlensled rn lherrsneressz As eonhdenee m The loeal lurid glows, loens ran slarl lo rover enereyoavine horrso addrlrons, rnsulallon, or new welldzngmd housmg small vehleles, snlall luel supply leehnology, and land parehase lor approved propels Even so, hrnds snbserlbed may always ereeed dernand (businesses are slow ro dzvllop). so lhe hind manages should always be ready lo herd 1hr smelly n; mm! adnrnred money syslrrn. srreh as rnyeslmenl advrsors rn elhreal lnrsrs, lneal rnsrrranee and banklng, and a local "mim" lo prrnr a drsrrrer eorreney nl non nllalable rnnney, whreh rn lne end is also nunrlnlt‘l‘t’sl bearing. Ehery phm where (hls has scarred (and slnee I980. There are dozens or hundreds al lunds, rnrreneies. barler lalrs,and inyesernenr lensls eslablisned lo build a soslrrnable runner has benelrled lrnparls aro greally deereaeed, loeal omplayrnenl rises rapidly, good pnrdners (and seenrrryl are readable, and nnnmnnrly morale rs enhanesd Thus, tommnmty savings and loans assoeranons are approprrale for redrrerng eomrnnnrry and household eosls, and lreernp rnore enprlal rnrn lhe communrly, whldl leads us To The s H A R z and c s L T. syslems or "wealth-pwdufing“ loans. These are revolving lnan lllnds lhal provide saprral ro mmmunnyrbiyad gmups, enrrehrne lhe mmmumly and [arming a slrnna sappon base lur lhe brrsrnessss oslabhshed 5 H A R 5 slands lax SeHHelp Abxnclaunn Tor a lieglonal Emnomy ll is a loeal nonprolrl eerpnraben lormed |0 help Enmurage small businesses lhal are pruduring neeessary goods and services lor lhe eornrnrrnrly (in This case. lbe Berkshlw area ln Mamhuwls, USA i. ll warks rn eonnlnmbn wllh a loeal bank ln The area Members ol lhe eommrlnrry ean beeorne s H.A.R.E. members, wlneh rneans rhey open a 5 H.A.R.E. 1mm aeeonnl wrlh lne bank. They reserve only on rnleresr lbul lhls means small loans can be elven our al "1% lnreresll The person reeervlng lhe loan mnsr lrrsl rolleel relerenees lrorn people who know rhem as responsible and eonserennrnrs They rnrrsl show mal lhe proposed business will anrael enslomers lrorn lhe eommnnlly or even Trnm oublde lhe cummumty. By doing lhls pmllmmary worlr. lhe bnrrnwer gus lo know many people, and me eommllnrly has a keen mterlsl in seeing lhal lhe bnsrnesssrreeeeds. c.[ LT. .srands lor Cummumly snlerprlse Loans mm. a New Zealandwlde chanlable lmsl lo promore and supporl small bllsrnesses and eooperalives, c u T, helps people lorm and run eooperalrves and olher enlerprrses by Plovldlng advice, (“mung naming sessions so lnal people (an learn sooporallve buslness 53E slrills, and by pmvldlng loans. c E LT. servrees are nrnded by sobeedpbans lnorn lhe prrbl ($57, by donanons, and by governmenl speeral sehernes sdneallon and olher work is lnnded by The rnleresl lrorn deposlrs and loans c E LT uwpls rash deposlrs, and lends onl lo enrerpl-lses working eloeely wrlh rhern nnbl They are on lherr leer neposrlors reeerve [mm mm lnleresl per year depending on lhe amoonl ol lrme lhe money ls rn lhe aeeorrnl, and whelhee lhe deposilorwanls lnleresl pard. The bamwmg erilerra rs lhal lhe enneprenelrrrnnsr be w|||ing rn work elosely and regularly wllh cm drrr-lng lhe loan so lhar a business has lbe grealesl chance in sneeeed CELT has now aebreved lhe srallls bl a bank, and ran oller semeessneh asa baukoikrs sarrllrenr Cross cayrlal Extllange LM, operalrne onl ol Wenrwonh Falls, New, Auslralia. is a nonprom organisallon lhal brings loeelher These who wanl lo bonow lmm speqlle lsoelally eonseronsh propee, and lhoee wbn have money lo loan lo sneh proreers.The role or rhe s.c.c E is lo review applrealrnns lnr loans and lo mmmrnd lndrviduals and busmks‘es Io nselve "use loans ll ls nor a bank or lrnanee company, and so loans \hmngh lhe 5.: c a are nel seemed, However, lhey are yrrarrrrrnd by lhe Exdunge {lhuugh unly rl loans are made mmugh scc E, nol dlre‘my lo lhe prnyeell The borrowers malre personal goaranrees, and "gnawing: rrrele are sel up in spread lhe Mk leg parenls whn wanl lo brrrld a sehnol wrll all guaranm |0 pay back lhe loanl Tins sorl ol eaprlal erehange lorrnal may be one way in whren eommnnrly sehnols and olher surlally conscious proleers ran beenrae llnanrlally elable laxalmrreney A5 lhe eomrnnnrly earns skiHs .n lrnaneral mamgumml. «here is no reason why an lnrernal and drslrlel eeonomy shonld nol be bolsrered by a nonlnllallne ellrleney primed by lhe mmmuully Alnady This is done by Individual: and businesses who have a prodoel er sklll lo sell lrerl valnel. and whn pnnl up yonehers nr eonpens To pay lor selling up lhen bllsrness For examplr, a publlshmg eornpany sends um prepllblleanon order slips lo people [>1be a parlrrular book is published, people buy or preporehase lhe book al a slightly rednred pnee. whreh enables lhe pnbhsher rd pnnl lhe book «his is how rhe book yorr are reading was pl-lnledl ln anolher example, a reslanranl (Zoo Zoos) rn Washineron slale, USA, in lranslernne lrorn jingle ownership lo a work mperanve, needed To raue mods lo blly our lhe owner They prlnled rneal vollehers. redeemable up ln one year, and sold lhem lo illnrre naslomers and lerends. Mool people eame in lo ear lheir promised rneal,bnl sonle vooehers were leaded Inmhcr people ror sorne orher ser m The eornrnnnrry, and "ms lhe "currency“ slarls clrculallng as vonehers relanng loa Twl eommodrly There are many errrrenrres in every soerely. snrh as