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搜尋結果
Description. By Aurélien Acquier, Thibault Daudigeos, and Jonatan Pinkse: "The community-based economy forms the third core of the sharing economy. It refers to initiatives coordinating through non-contractual, non-hierarchical or non-monetized forms of interaction (to perform work, participate in a project, or form exchange relationships).
- Definition
- Description
- Typology
- Characteristics
- Discussion
- Examples
- More Information
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. From the Wikipedia: “M...
1. Anthony Migchels: "Mutual Credit is just simple bookkeeping. When opening an account one gets a credit line and can start spending by going into debt. When doing so, the unit is created. It is so mindblowingly simple it boggles the mind how the banks have gotten away with their silly antics for so long. Mutual Credit is undoubtedly the unit of t...
USA
VERMONT RESILIENCE LAB: "Globally, many people connect with the idea of mutual credit as LETS systems, which stands for Local Exchange Trading Systems. These are community trading systems and come in many different varieties. They tend to be filled with individuals trading handmade goods and services rather than businesses. In the US, due to IRS rulings and regulations, mutual credit splits into two unique forms rather than the general purpose LETS systems seen around the world. 1. Barter Exc...
Mutual credit systems are normally completely decoupled from national currency and thus have amuch greater theoretical potential; they have however remained more or less in the province ofswapping home-made jam for lawn-mowing, because they are not, or not adequately, securedagainst misuse – so people in general are not willing to offer expensive p...
1. Advantages and disadvantages: "One economic advantage of mutual credit is that the currency supply is self-regulating--the money supply expands and contracts as needed, without any managing authority. The availability of interest-free loans is a great advantage to members of the system. One major downside of mutual credit, as with any form of cr...
Sarafu: Digitally Empowered Mutual Credit Systems in Kenya and elsewhere in Africa
Will Ruddick: "The ability for people to create tokens on public ledgers has been around for many years. Likewise the ability for people to make printed IOUs has also been around for a while. See printed Ithaca hours. https://viz.sarafu.networkis data from 60 such community issued mutual credit systems using Blockchain in Kenya." (email, January 2024)
Application in LETSystem
"... I--who with others 'coined' the LETSystem word to express the ideas of consent, collaboration, invitation, possibility--regret the extent to which others restrict their understanding to the local. Certainly, local is good, local is essential, and local will happen--but let's not lose sight of the bigger pictures.... I don't just care about local people - I also care about my childrens' childrens' children (none yet born), and about trees, who don't seem to give a damn about me, and about...
Ournexchange
= Community Currency Trading for the Rogue Valley "Our local currency system is distinct from the national system, in that Trade Dollars is not “created” by a central bank. Instead, currency is activated by members at the time of the transaction, and the resulting balances are tracked by the system. All the currency will be backed by trust, and the service we promise to owe each other. This form of economy is called a mutual credit system, and can be thought of as mutual credit and debit trad...
Wikipedia article at http://en.wikipedia.org/wiki/Mutual_creditCommunity Empowerment through Mutual Credit Systems: http://www.ratical.org/many_worlds/cc/NMfHC/chp12.htmlFrom the Wikipedia: "Solidarity lending takes place through ‘solidarity groups’. These groups are a distinctive banking distribution channel used primarily to deliver microcredit to poor people. Solidarity lending lowers the costs to a financial institution related to assessing, managing and collecting loans, and can eliminate the need for ...
MAF has made a substantial impact in immigrant and low-income communities despite only being around five years. Its lending circles boast a 99 percent repayment rate and a 1 percent default rate. Lending circle members have experienced a 168-point average increase in their credit score and an average of $1,051 reduction in debt.
Description. "The Crowdfunding Accreditation for Platform Standards (CAPS) program is an initiative by Crowdsourcing.org to promote the adoption of best practices for the operation of crowdfunding platforms globally. Designed to protect both crowdfunders (people pledging or investing capital) and fundraisers (people raising capital), the CAPS ...
San Pisith is a Buddhist Monk and an Early Stage Researcher at Ragnar Nurkse Department of Innovation and Governance. He has joined the Cosmolocalism project since September 2019 to pursue a Ph.D. at TalTech, Estonia. His Ph.D. thesis focuses on Buddhist Economics, Buddhist Governance, Commons, and Happiness and Public Purpose.
Description. "Banks have a pivotal function in the economy, they are the main creators of the money supply. In granting or issuing so called 'loans' to their customers they create the money that is essential to make the modern economy work. In fact says Prof Werner: 'here is no such thing as a bank loan' he says what happens is credit creation ...
