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Definition. 1. A system in which the currency necessary to mediate a transaction is created at the time of the transaction as a corresponding credit and debit in the balances of the two parties. These systems (LETS and Time Dollars, and the proposed ROCS), unlike fiat currencies, do not require any centralized money supply management. 2.
MAF has created a system to ensure that payments and loans are made to lending circles on time and that members can build their credit by reporting timely payments to two of the major credit bureau agencies. Loans are zero-fee, zero-interest and relatively small — a typical loan is $1,000 on a 10-month period.
Banking without Banks. The concept of Banking without Banks is to provide as many of the financial services provided by banks, but through more direct, lightweight and transparent structures that eliminate most of the traditional costs of personal finance.
Zidisha is a nonprofit peer-to-peer microfinance internet platform that allows people to lend small amounts of money directly to entrepreneurs in developing countries. By comparison, Kiva doesn't really apply real p2p lending, but as of late 2011 began to pilot direct p2p microloans based on Zidisha's model.
Jason Hickel: "Credit guidance: The idea here is to impose rules that limit the quantity of finance that commercial banks can invest in problem sectors. For example, credit guidance can be used to scale down commercial investment in fossil fuel production on a binding, annual schedule. But it can also be used to reduce other destructive and ...
2024年5月2日 · They are outliers. Henrich explains: WEIRD people are highly individualistic, self-obsessed, control-oriented, nonconformist, and analytical. We focus on ourselves — our attributes, accomplishments, and aspirations — over our relationships and social roles. We aim to be “ourselves” across contexts and see inconsistencies in others as ...
Description. "Puddle gives everyday people the opportunity to own a small virtual “bank” with their friends—no fees and no applications. Users decide on interest rates, who can be members, and who can borrow money. The best part: profits made from the interest rates paid by borrowers are distributed among group members.
