Sharing Economy

Il fenomeno del crowdfunding

Per chi è poco ferrato con il termine, con la parola crowdfunding, o altrimenti detto finanziamento collettivo, si intende un processo collaborativo di un gruppo di persone che utilizza il proprio denaro in comune per sostenere gli sforzi di persone e organizzazioni.

È una pratica di microfinanziamento dal basso che mobilita persone e risorse. L’incredibile cxrescita che ha avuto negli ultimi anni ha porato alla nascita di diversi progetti di interesse collettivo e supporto a coloro che necessitavano di un aiuto economico.

Le principali iniziative

Esso si può riferire a iniziative di vario genere, dall’aiuto in occasione di tragedie umanitarie al sostegno dell’arte e dei beni culturali, al giornalismo partecipativo, fino all’imprenditoria innovativa e alla ricerca scientifica. Questo tipo di raccolta fondi tramite il fenomeno del crowdfunding è spesso utilizzato per promuovere l’innovazione e il cambiamento sociale, abbattendo le barriere tradizionali dell’investimento finanziario.

Tipologie di finanziamento

Finanziamento collettivo, chiamata anche reward-based, è la più diffusa per numero di piattaforme e prevede per l’investitore una ricompensa commisurata con il contributo. Solitamente la piattaforma dà due o più scelte di contributo ordinate per entità e con ognuna associata la sua ricompensa.

Il modello per prestito, è un modello di finanziamento collettivo attraverso il quale persone fisiche e giuridiche possono decidere di prestarsi fondi reciprocamente, ad un tasso di interesse, più o meno alto, con il fine di realizzare un progetto.

L’equity crowdfunding, è una modalità di finanziamento che consente a società non quotate di raccogliere risorse finanziarie dal pubblico a fronte di quote azionarie.

 

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