Una red social para el cambio social

According to TechCrunch, peer to peer or p2p funding is gaining momenton regardless of the uncertainty inside the current marketplace trend. Rather than relying on comercial financial institution, banks or venture capitalist, users and would-be entreperneurs can register with these web sites and tell every person about their prospective business. Interested parties can contact these users and begin funding their businesses. Sound basic is not it?(This post was originally posted on December 27, 2007.)

The beauty of p2p funding is that you may be a apart of some thing for a incredibly modest fees. With the aid of web, you are able to even invest and help people today in locations which include Boswana, Senegal or Iceland. Based on an post from Stanford magazine, p2p funding is is going to be productive for the reason that having a tiny quantity of money you may help make a big different in a person else life

Guy Kawasaki, in his blogi have highlighted 6 points that we can discover from Kiva beach wedding invitations, among the most successful, non-profit p2p funding organization. Here’re his points;

1. Make meaningful partnerships. Most entrepreneurs generate partnerships to impress investors, journalists, buyers, and parents. Hence, most partnership as bull shiitake. The most beneficial test of a partnership is no matter if its existence demands that you alter numbers in a spreadsheet. No modifications = b.s. partnership. Within the case of Kiva, it has sixty seven partnerships with micro-finance organizations. It truly is these organizations that provide the “leads” for lenders to fund.

Also, Kiva has partnerships with PayPal (no cost transactions), Google (no cost visitors) too as with Yahoo!, Micorosft, MySpace, and YouTube. As you may imagine, these kinds of partnerships do make you reboot Excel.

2. Catalyze and support evangelism. Like Apple, Harley-Davidson, and Tivo, evangelism starts having a fantastic product, and Kiva has 1. When you have a fantastic item inexpensive wedding invitations, then evangelists will appear, and Kiva has 250 active volunteers?awhat I would label “evangelists.” Kiva has truly institutionalized evangelism in case you ask me.

three. Come across a business enterprise model. You’d be surprised how many people today wave their hands or keep away from the topic of organization model entirely. Kiva’s model is a minimum 2.50 voluntary fee that lenders pay when checking out their “shopping cart.” If I have an understanding of this proper: lenders obtain no interest and pay a voluntary fee to Kiva to be able to loan money. And you thought Google had a fantastic business enterprise model?awow, as Wayne and Garth said, “We’re not worthy.”

four. “Bank” on unproven people today. What would the ideal background be of the founder of Kiva? Investment banker from Goldman, Sachs? Vice president of the World Bank? Vice president of the Peace Corp? Vice president of the Rockefeller Foundation? Partner at McKinsey? How about temporary administrative assistant at the Stanford Business School? For the reason that that is how Jessica began her quest. The spark that lit the fire was a speech by Muhammed Yunus, founder of the Grameen Bank and Nobel Peace Prize winner.

five. Focus on free of charge marketing and advertising. Kiva launched in 2005 with seven companies in Uganda. The first “marketing” was sending out an email to the wedding invitation list of Jessica and Matt. All seven businesses had been funded in a weekend. Then the Every day Kos picked up their story from a hacked together press release. Then PBS’s Frontline covered the organization and loan volume went from 3,000 to 30 purple wedding invitations,000 over night. No road show. No Demo. No TechCrunch 40.

6. Ignore the naysayers. The Flannerys got a lot of suggestions that you can’t send money around the web without having government approval; that Kiva couldn’t scale beyond a few African villages; that a non-profit couldn’t supply an investment item; and that it would violate SEC regulations too as the Patriot Act. Besides this, Kiva was a no-brainer.

Here are some p2p funding businesses making wave around the globe.

Kiva.

Kiva is often a nonprofit, p2p-lending web site that facilitates loans between lenders and really low-income entrepreneurs in creating countries. Lenders can locate the business and entrepreneur they want to lend to based on region, organization kind, risk level, etc. So far, you’ll find a lot possible entreperneurs registered with Kiva. Click here for an interesting post by Guy Kawasaki about Kiva

Lending Club.

Among the biggest p2p funding provider, in term of the amount of income it have loan out so far is the Lending Club. The web page uses the Facebook application platform soley to connect lenders with borrowers, due in part to Facebook’s viral nature along with the truth that pals trust lending to other friends.

Prosper.

Just like the other p2p funding business, prosper seem to be based on the comparable idea as the others. Prospective lenders set their minimum interest rate and bid in increments of 50 to 25,000 on loan listings they pick.

Zopa.

Zopa is the only corporation in this group that is not based in the US. Instead, it can be based in London. Zopa is really a P2P social money lending service that makes it possible for lenders and borrowers to deal directly with 1 a different, cutting out the banks who act as middlemen. So far folded wedding invitations, the organization has received public acclaim also, having been awarded CNET Technology Awards’ 2006 World-wide-web Innovation of the Year, the 2007 Webby Award for Best Banking/Bill-Paying Web site, as well as the Banker 2007 Award for Ideal Web Project.