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