Owning Is the New Sharing

When a government needs to invest in an expensive capital project — a new sewer system, bridge or highway — it issues bonds. The hot new idea in social programs – finance prevention programs to cut recidivism, reduce homelessness or keep kids in school by selling bonds, to be paid only if the program is a success.

A successful program in Uganda trains village women to sell medicines, fortified foods and other important goods using the Avon model, aiming to create a self-sustaining system for delivering essential health products.

In Oakland, a company created an online crowdfunding platform that allows users to earn interest by financing clean energy projects and gives people with good social intentions a direct line of action. Across the world, there is a growing movement toward people-powered clean energy.

The non-profit Root Capital created a lending initiative in Mexico which helps mid-size rural farmers gain access to capital, skills, and consumer markets from which they would otherwise be excluded.

Funding with too many strings attached makes it hard for non-profits to grow and be impactful. An American organization, Nonprofit Finance Fund (N.F.F.) Capital Partners division, is finding ways to finance non-profits likes companies and has already shown great success in pilot situations.

An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.

Microcredit can get people into debt when used poorly. A company in Guatemala is giving products to poor entrepreneurs on consignment and then charging a commission upon sale and in this way removing the entrepreneurs' risk.

The United States can outsource certain kinds of "microwork," such as accurately digitizing large swaths of information, to developing countries without taking jobs from Americans ― if it’s done carefully, and ethically, as some organizations are working to do. As the author Robert Wright has argued, we no longer live in a zero-sum world, where one person’s, or one country’s gain, must be another’s loss.

The company that manufactures Lifestraw, a water purification device, has found a way to distribute their product to impoverished Kenyan families for free, while still making a profit. In the global carbon credit market, businesses receive carbon credits for projects that reduce greenhouse gas emissions. These credits can then be sold to companies who need to offset their carbon emissions, allowing green companies to make a profit off of their small ecological footprint.

The company that manufactures Lifestraw, a water purification device, has found a way to distribute their product to impoverished Kenyan families for free, while still making a profit. In the global carbon credit market, businesses receive carbon credits for projects that reduce greenhouse gas emissions. These credits can then be sold to companies who need to offset their carbon emissions, allowing green companies to make a profit off of their small ecological footprint.