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Low-income Business Lending

Low-income Business Lending. The Challenge of. Low-income Business Lending. The Challenge of. Low-income Business Lending. There are very few options. The Challenge of. Low-income Business Lending. There are very few options Banks: high collateral. The Challenge of.

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Low-income Business Lending

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  1. Low-income Business Lending

  2. The Challenge of Low-income Business Lending

  3. The Challenge of Low-income Business Lending • There are very few options

  4. The Challenge of Low-income Business Lending • There are very few options • Banks: high collateral

  5. The Challenge of Low-income Business Lending • There are very few options • Banks: high collateral • Microcredit: high interest rates

  6. The Challenge of Low-income Business Lending • There are very few options • Banks: high collateral • Microcredit: high interest rates • CDFIs: prohibitive regulations

  7. The Challenge of Low-income Business Lending • There are very few options • Banks: high collateral • Microcredit: high interest rates • CDFIs: prohibitive regulations • Coops yet another step harder

  8. Changing Finance • Reform current institutions • Tap into anchor institutions • Build new institutions

  9. Building from Scratch • Start from community: build around their need

  10. Building from Scratch (The Working World Model) • No personal guarantees

  11. Building from Scratch (The Working World Model) • No personal guarantees • Non-extractive loans

  12. Building from Scratch (The Working World Model) • No personal guarantees • Non-extractive loans • Risk shared by the community of borrowers

  13. Building from Scratch (The Working World Model) • No personal guarantees • Non-extractive loans • Risk shared by the community of borrowers • Intensive technical assistance

  14. Toward a new finance: Vision for the future • Community-owned • Controlled by members • Community risk sharing • Non-extractive lending • Education & technical assistance

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