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Consumers' capital

People use banks to look after their money and they do this because they trust that those banks will keep their money safe. But in recent years banks have shown that they cannot always be trusted. Some banks act more in their own interest than in the interest of their clients, other banks were engaged in trading in so-called "financial products" that were so complex that only a few people knew what these “products” were and had knowledge of the risks involved.
Furthermore, it becomes increasingly clear that banks invest the money entrusted to them in businesses that not everyone is happy with (for example in the arms industry).


Without trust banks cannot function properly. So it is obvious that people who want to put aside some of their money, take that money, and their trust, somewhere else. A very understandable reaction.


In The Netherlands, but certainly also in other countries, entrepreneurs make good use of this development, especially entrepreneurs who can and want to operate transparently. Often these are entrepreneurs who operate with respect for the environment and with awareness of the social consequences of their businesses. They are obviously doing their best to involve consumers in their company, products or services in various ways. And an entrepreneur who really makes - or does - something that consumers like, can also try to involve the consumer if there is a need for money to be invested in the company. Because you can also have confidence in a company that offers a good product; a company that has proven itself over the years and that is lead sensibly. Why wouldn’t you consider to lend some of your savings to such a company?


Or do you still have more confidence in 'banks'?


A national Dutch newspaper recently reported on three companies who directly invite consumers to participate financially in their companies. The entrepreneurs show clearly how much investment money they need and what they need it for. They enable the investor to decide whether he or she wants to receive the agreed interest in cash or in kind. A craft brewer offers 5% interest in cash or 10% interest in kind. An organic farmer offers 5% interest in kind (meat or fruit and vegetables) and an organic bakery-cum-coffee shop, that has already been working for over 40 years with ‘consumers capital', offers 3% interest in money or 4% interest in kind.


A lovely way to build the kind of relationship that is necessary for any form of credit.


The three above-mentioned companies are: Where to invest?





Source: Volkskrant, 07/25/2015



John Hogervorst

September 2015

John  |  2015 09 07  |  Permalink  |  Share


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