Ezweni eliya ngokuya lixhumene, umnotho womhlaba ubhekene nezinselelo ezingakaze zibonwe ngaphambili. Ukuntengantenga kwezimakethe, ukungalingani okukhulayo kanye nokuphuthuma kwenhlekelele yesimo sezulu kusiphoqa ukuthi sicabange kabusha izinhlelo zethu zezimali. Kulo mongo, I-EthicHub iphuma njengengqalabutho ekusungulweni kwezimali, isebenzisa ubuchwepheshe be-blockchain ukuze idale amamodeli ezezimali avuselelayo (ReFi) ezihambisana nokutshalwa kwezimali komthelela wezezimali, kwezenhlalo nezemvelo
Inkomba
Iyini i-EthicHub?
Emazweni anjengeSpain, ukuthola uxhaso lwezimali ngokuvamile akusiyo inkinga enkulu, kodwa okufanayo akulona iqiniso ku-25% wabantu bomhlaba, ikakhulukazi emazweni asathuthuka noma asafufusa, ajwayele ukubhekana nezithakazelo zonyaka ezingaphezu kuka-60%. .
I-EthicHub iyinkundla yokutshala imali esebenzisa ubuchwepheshe be-blockchain ukuxhuma abalimi abancane nababolekisi. Umqondo uwukuhlinzeka ngezimali ezifinyelelekayo kubalimi abebengeke bakwazi ukufinyelela ezinsizeni zamabhange ezijwayelekile. Futhi okuhle kunakho konke, abatshalizimali endaweni yesikhulumi abakwazi nje ukwenza umthelela wezenhlalo, kodwa futhi bangenza inzuzo efinyelela ku-8-10% ekutshalweni kwabo.
Ukuqanjwa kabusha kwe-EthicHub
Ngenxa yokusebenzisa ubuchwepheshe be-blockchain, I-EthicHub ivumela ukusakazwa kwemali mahhala phakathi kweminotho yomhlaba yokuqala namazwe asafufusa ngezindleko zokusebenza ezingaphansi kuka-1%.
Uma lokho bekungenele, ukusungulwa kwangempela kwe-EthicHub kusekelwe ekuxhumaniseni umnotho wangempela nokuqanjwa kabusha ngenxa yokusetshenziswa kwezimpahla ze-crypto. Kuplathifomu ye-EthicHub zonke izikweletu zibambisene ngokwedlulele ngohlelo lokubambisa kabili. Ngakolunye uhlangothi, impahla yezwe langempela (namuhla ikakhulukazi ikhofi), futhi ngakolunye uhlangothi uhlelo "lwezibambiso zesixuku" (isibambiso esihlangene).
Le modeli yenza kube nokwenzeka ukutshala imali ngokuphepha kuyilapho abalimi abancane bekwazi ukuthola uxhaso lwezimali oluthengekayo kubabolekisi emhlabeni jikelele. Ukutshalwa kwezimali kwenza imbuyiselo yonyaka ephakathi kuka-8 no-10% ngesikhathi esifanayo lapho ifaka isandla ekuthuthukiseni izinga lempilo yalaba balimi abancane ngomsebenzi wabo wokukhiqiza ngohlelo lokukhiqiza inani elabiwe.
Ukukhula kwe-EthicHub
I-EthicHub ibonise ukukhula okuqinile nempumelelo eminyakeni yamuva nje. Ngesisekelo sabatshalizimali abaphindayo abangaphezu kuka-2.000, uxhase ngezimali isamba esingaphezu kuka-$4 million emiphakathini yabalimi engaphezu kuka-600.
Ngale ndlela, i-EthicHub iyazihlanganisa njenge Inkundla ehamba phambili ekutshalweni kwezimali okunomthelela kanye nokusetshenziswa kobuchwepheshe be-blockchain.
Futhi, umfelandawonye wakamuva ne-Heifer International isekela ukukhula kwe-EthicHub ngabadlali abavelele emakethe ye-Impact Investing. I-Heifer International, inhlangano yomhlaba wonke engenzi nzuzo esebenzela ukuqeda indlala nobumpofu nayo izinikele ekusekeleni abakhiqizi abancane, njengemiphakathi yekhofi yaseMexico.
Umfelandawonye phakathi kwe-Heifer ne-EthicHub uhambisana nokutshalwa kwezimali okungu-$420,000 ngenkundla yokuboleka. Lokhu kutshalwa kwezimali okulingwayo kuzokwenza ukuthi kusatshalaliswe kahle kakhulu izimali ezibolekiwe kuma cooperatives afanelekile abamba iqhaza ku-Heifer International's Beyond Coffee II Project e-Chiapas, e-Mexico.
Ukuze iqhubeke nokukhula nokwanda kwayo, i-EthicHub inyuse u-$2M emzuliswaneni wayo weMbewu sibonga ngokubamba iqhaza kongxiwankulu abahamba phambili ohlelweni lokuqalisa umthelela, kanjani I-Crane Earth o UFlori Ventures.
Umjikelezo weCrowdEquity
Ukuze iqedele umjikelezo wayo Wembewu, i-EthicHub yethule umzuliswano we-CrowdEquity osevele ukhuphule ngaphezu kuka-60%.
Ukuphumelela kwalo mzuliswano kukhombisile ukuthi yithuba eliyingqayizivele kubatshalizimali. Umjikelezo we-CrowdEquity uhlose ukukhulisa u-€250,000, futhi abatshalizimali banenketho yokubamba iqhaza ngethikithi lokutshala imali elingu-€1,527. Uma beshintshana, abatshalizimali bazothola ukulingana phakathi kuka-3% no-5% enkampanini futhi izovalwa ngo-August 4.
Lo mzuliswano wokuxhaswa ngezimali umele ithuba elijabulisayo kulabo abafunayo tshala imali enkampanini enesibindi nentsha eshintsha i-ecosystem yezezimali ngokugxila kwezezimali ezivuselelayo..
Amathikithi okutshala imali angatholwa ngokuqondile ingosi ye-EthicHub ku-Adventurees, inkundla ekhipha umjikelezo we-CrowdEquity.
izinhlelo zokukhula
Phakathi kwezinhlelo Zokukhula, i-EthicHub Igxile ezikhwameni zokutshalwa kwezimali ezinomthelela. Imali yesikhungo isaqhubeka nokubhekana nezinselele eziningi ukuze ifinyelele ngokuphumelelayo ezindaweni lapho idingeka khona futhi isixazululo esidalwe i-EthicHub sivumela intuthuko enkulu uma kuqhathaniswa nezinhlelo zendabuko ezingasebenzi.
Ukuqondisa ukutshalwa kwezimali kwezimali ezinomthelela, "I-EthicHub icubungula ithuba lokwamukela uhlaka oluthile lwezezimali, njengesikhwama sokutshala imali noma i-trust," kusho u-Joan de Ramón Brunet, Inhloko Yokukhula kwesiqalo.
I-EthicHub Business Vision
Sengiphetha, i-EthicHub igqama njengenkundla yokutshala imali enesimilo eqhuba ukuqamba okusha kwezezimali kanye noguquko lwezezimali oluvuselelayo. Isebenzisa ubuchwepheshe be-blockchain, i-EthicHub ixhuma abalimi abancane abanenzuzo nababolekisi nabathengi, inikeze ukufinyelela kwezimali ezithengekayo nokudala umthelela omuhle kwezenhlalo nezemvelo.
Inkundla ye-EthicHub isuselwe ku- imodeli yebhizinisi eyingqayizivele esebenzisa umqondo othi "isixuku-sibambiso" (isibambiso esihlangene), ukuvumela abalimi abancane abangenazo izimpahla zendabuko ukuthi bathole uxhaso lwezimali kubabolekisi emhlabeni jikelele. Lokhu kutshalwa kwezimali kufaka isandla ngqo ekwenzeni ngcono izinga lempilo yabalimi futhi kugqugquzele ukukhiqizwa kwenani elihlanganyelwe.
I-EthicHub ibe nokukhula okuqinile eminyakeni yamuva nje, isekelwa isisekelo sabatshalizimali abaphindayo abangaphezu kuka-2,000 kanye noxhaso oluphelele lwemali engaphezu kuka-$4 million emiphakathini yabalimi engaphezu kuka-600. Inkundla isiphenduke a umholi ekutshalweni kwezimali okunomthelela nasekusetshenzisweni kobuchwepheshe be-blockchain, kanye nomfelandawonye wayo wamasu ne-Heifer International ikhombisa ukuzibophezela kwayo entuthukweni esimeme kanye nokuqeda ubumpofu.
Ngaphezu kwalokho, i-EthicHub isemgudwini wokuqhuba a Umjikelezo we-CrowdEquity ukuze kuxhaswe ukukhula nokunwetshwa kwayo. Lo mzuliswano umele ithuba elijabulisayo kubatshalizimali abanentshisekelo yokubamba iqhaza enkampanini enesibindi futhi eqanjwe kabusha eguqula isimo sezezimali ngokugxila kwayo kwezezimali ezivuselelwa kabusha.
Ngezinhlelo zokukhula zesikhathi esizayo ezihlanganisa ukuhlola izimali zokutshala izimali ezinomthelela, i-EthicHub isesimweni sokuqhubeka nokuhola indlela eya ohlelweni lwezezimali olubandakanya wonke umuntu, olulinganayo futhi oluzinzile. Joyina uguquko lwe-EthicHub futhi ube yingxenye yoguquko oluya ekusaseni lezezimali elinobulungiswa nelinomthwalo wemfanelo kakhudlwana.