The Promise of Crowdlending in Financing Agenda 2030 - Archive ouverte HAL Accéder directement au contenu
Chapitre D'ouvrage Année : 2023

The Promise of Crowdlending in Financing Agenda 2030

Résumé

Crowdlending is an investment tool that appeared in the early 2000s. This tool allows individuals and companies, via an online platform, to finance directly, in the form of remunerated loans and in a traceable way, projects which are presented to them and on which they can interact publicly. This tool therefore encourages the development of direct financing decided by a crowd of contributors who place their trust in project leaders via an extremely transparent, rapid and cheap online selection and subscription process. This chapter aims to analyze the potential of this new financing tool to induce the necessary transformation the financial system required in order to achieve the SDGs. Financing is indeed at the heart of Agenda 2030. It is also an issue that explicitly touches on two SDGs: SDG 8.3 (development of SMEs) and SDG 9.3 (access to financial services for all enterprises). Crowdfunding is indeed one of the answers identified by the August 2020 United Nations report “Citizen’s Money: Harnessing digitalization to finance a sustainable future”. It is now a question of truly developing this tool, which aims to put the human being and sustainable development at the heart of the lending relationship.
Fichier principal
Vignette du fichier
Berkowitz Souchaud Chapter 19 Crowdlending working paper.pdf (642.04 Ko) Télécharger le fichier
Origine : Accord explicite pour ce dépôt
Licence : CC BY NC - Paternité - Pas d'utilisation commerciale

Dates et versions

hal-04072362 , version 1 (18-04-2023)

Identifiants

Citer

Héloïse Berkowitz, Antoine Souchaud. The Promise of Crowdlending in Financing Agenda 2030. palgram macmillan. Ecological Money and Finance, Springer International Publishing, pp.571-589, 2023, 978-3-031-14232-1. ⟨10.1007/978-3-031-14232-1_18⟩. ⟨hal-04072362⟩
57 Consultations
82 Téléchargements

Altmetric

Partager

Gmail Facebook X LinkedIn More