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Last active February 4, 2016 05:03
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rough notes from rohan's 'i want to start a bank' open space at enspiral retreat summer 2016
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notes.md

open space - rohan wants to start a bank

  • when eda was starting rohan and jv went 400,000 in debt. having a better bank would have made things easier. folx had to take out mortgages and work for free for awhile.

  • banks wouldn't give rohan and jv loans

    • lack of trust. banks trust things that are already stable.
      • perhaps trust is something that only exists in small communities.

  • banks not interested in lending for co-housing -- in other places, there are banks more keen to lend for that sort of thing

  • extractive model -- shouldn't be that way

  • bank -- how might it relate to enspiral network?

  • ideal situation for rohan and eda

    • bank within the network
    • explain situation, accept feedback, ideally get $$$.

  • fraud in crowdbanking?

  • rohan asked fma how to start a bank

    • person said, hardest bit is getting people interested in joining the bank.
    • having the enspiral network makes that bit a bit easier.

  • pledgeme crowdfunding debt

    • talked to bnz, bnz saw pledgeme as a competitor and refused further conversation lol

  • thinking required on who evaluates loans -- what is the process for evaluating loans?

  • services:

    • gather funds within enspiral network, loan agreements, software platform (?)

look up / talk to:

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