Network for the Environment and Social (Human) Security

Financing an Ecological Change

Posted by on Oct 7, 2010 in Loan Guaranty Fund | 18 comments

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It is save to assume, that many people all over the world are willing, some of them are even eager, to do something for society or would like to fight a possible Climate Change.  For such endeavors money is needed. And to get it is very difficult, no one gives money away easily.

But there is another way, Self-Organization!

The idea of a Loan Guaranty Fund (LGF)  presents itself. In our, Nesseq’s case an LGF would guaranty loans for Ecological and/or social projects. But every LGF can define their task for itself, of course.

In all former posts about the Loan Guaranty Fund,  1.000 people were mentioned, who would each put 1.000 US-Dollars or Euro  for ten years in a closed bank account.

This number is still valid, as a goal, but the way is long and the first step must be taken. For this first step only 10 people are needed!

In order to raise the investment, the group lends money from the bank, which manages the LGF.  The credit runs, with agreed maturity, for 5 years. In which the personal loan is paid back. All this time the funds are accumulating interest and will run for another 5 years.

In the beginning, each member is acting as a credit guarantor for another member for 1.000 US-$ or Euro. Which is used as an investment in the LGF.

If the group fails to establish a proper LGF after 10 years all the the money is payed back equally among the members.

In a conventional point of profitability such an investment would be of no interest, compared to the conventional forms of investment, which go for profit maximization.

But the goal of the LGF is different, we want nature and society to profit from a small investment.

And if we do not lose money, we profit twice. We get our money, after the agreed time, back plus interest yield.
If we lose the money, at least we have contributed for something more important. This is our real profit.

The clip in You Tube shows an initiative in Togo/Africa to build a Kindergarten. Please pay attention to the building of the kindergarten. It is built as it would be in Europe or the USA. While the houses where the people live are only, what appears to be, clay shacks with tin roofs. In a more appropriate fashion with the same amount of money 20 kindergartens in as many villages could have been built. Or only in 10 villages, but with TOTEM Systems!

But the practice of the Social Business is very nice. Only one question: Why does it work in the 3.World and not in the developed countries? The developed countries, in a ecological context, are also nothing but developing countries! An LGF could be just the right tool.

Financing an Ecological Change, 10.0 out of 10 based on 1 rating
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  3. Benjamin

    Sometimes I just think that people write and dont really have much to say.

    Not so here, this is boring site, i don’t understand why people comment in your site anyway! i don’t see any thing smart in here, only PS stories and fantasies.

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    • Admin (Max)

      thanks for your advice. But you first.
      All the best anyway,

      • Benjamin

        I did shot my self twice, didn’t work for me, i hanged my self 3 times and i am still a live, so i guess now this is your turn.

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        • Admin (Max)

          my site sucks but you got nothing better to do but to read all the pages and comments. So it can’t be that bad. But I grow tired of your strange comments and I won’t approve any more from you.
          Thank you again.

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  5. Carla

    I dont see this article in the main page ? is there is any reason you keep it hiddden ?

  6. Sandra Lav

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    Sandra Lav

    • Admin (Max)

      Hi Sandra,
      thank you very much for you comment. Do share my posts, under the condition that you name as the source and provide a link to it.
      Please let me know the name of your website.
      All the best,

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  11. Kurtis

    Yo! Is it okay if I go a bit off topic? I am trying to view your site on my Mac but it doesn’t display properly, do you have any suggestions? You can always email me at (edited by the admin) Cheers! Kurtis

    • Admin (Max)

      Sorry Kurtis,
      I really have no suggestions why my web site does not display in your Mac. It has something to do with your computer.
      But thanks anyway.

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