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This is the '''Consumerium list of [[w:alternative financial services|alternative financial services]] lists'''.
This page is for accumulating [[country]] information of specific usefullness for [[Consumerium Services]]. Also this page serves the purpose of forming a [[Country template]] for use in [[Content Wiki]] once we figure out what information can be reliably collected.


The Finnish language URLs http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here.  
'''See [[w:List of countries]] for general information on countries of the world.'''
----
'''Here be the current skeleton'''
 
*''[[Workers' rights]] - The right to belong to labor unions'' '''de jure?''' (in law or in theory), '''de facto?''' (in practice, day-to-day custom)
*''Registered companies searchable in Internet?'' '''YES/NO/Not determined'''
* [[Ecological integrity]] and damage, e.g. [[charcoal]] [[deforestation]] in [[Haiti]], [[tantallum]] [[deforestation]] and [[ape extinction]] in [[Congo]] and [[Indonesia]]
*...
 
----
= Resources =
 
'''Internal'''
{{#lst:Main Page|Consumerium.org lists}}
 
'''External'''
* [https://www.embassypages.com/ Embassypages.com] - contact information for embassies and consulates of the world
* [https://www.gov.uk/government/publications/overseas-registries/overseas-registries '''Overseas registries''' at gov.uk]
 
= Africa =
* https://www.fairtradeafrica.net/
 
== Kenya ==
* [http://www.ftok.org/ Fairtrade Organization of Kenya: FTOK]
 
== Mauritania ==
[[w:Mauritania]] has the highest prevalence of [[w:slavery]] in the world despite passing an [[w:abolitionism|anti-slavery]] law in 2007 after sizable international pressure. Read more in [[w:Slavery in Mauritania]].
 
== South Africa ==
* Fairtrade organisation: [http://www.fairtrade.org.za/ Fairtrade South Africa]
 
= Asia =
 
== Australia ==
* http://www.choice.com.au/ - Australia's oldest consumer empowerment effort
* http://guide.ethical.org.au - An ethical consumer guide and more
* http://ethicalconsumer.org.au/ - Ethical Consumers Australia (ECA) nonprofit association has various functions and projects. They have made [http://goodonyou.eco/ The Good on You App] which is available for Android and iOS for the clothing shopping consumer.
* http://www.ethicalliving.net.au/  Providing ethically sourced ethnical handicrafted via webshop with principles of fair trade.
* http://www.sustainabilityportal.net/ an australian platform for ethical fashion & textiles. A resource for industry and consumers alike.
 
''Registered companies searchable in Internet?'' '''YES'''
*http://www.search.asic.gov.au/gns001.html [[Australian Securities and Investments Commission]] Limited company search on-line.
 
== China ==
=== [[Workers' rights]] in China ===
Trade unions are forbidden by law in China according to the Finnish media.


'''Spectrum of consumer finance''' by the lowest troll
== Hong Kong ==
* [http://www.fairtradehk.org/ Fairtrade Hong Kong]


* [[w:Predatory lending|Predatory lending]] ->
== India ==
::* [[w:Payday loan|payday loan]] ->
* [http://fairtradeindia.org Fairtrade India]
::::* Proletariat finance ->
::::::* [[w:Peer-to-peer lending|peer-to-peer loan]] ->
::::::::* Credit card debt ->
::::::::::* Bank loan


----
== Japan ==
* [http://now.ohah.net/en/Earth_Reforesting_System "Earth Reforesting System"] - not sure if this is going to work, but, at least they started with mediawiki, so maybe they are just waiting for others to chip in, just like Consumerium did. Mostly in Japanese.
 
== New Zealand ==
* [http://fairtrade.org.nz/ Fairtrade New Zealand]
 
== Pakistan ==
''Registered companies searchable in Internet?'' '''YES'''
* http://www.pakboi.gov.pk/html/all_companies.html [[The Pakistan Board of Investment]] - Companies, searchable online by [[name]], registered [[capital]], [[CEO]] and other options
 
== South Korea ==
* Fairtrade organisation: [http://ekf.or.kr/main/index.php Fairtrade South-Korea]
 
'''[[Workers' rights]]''' in South Korea
Apparently the workers' situation in South Korea is terrible. There are reports of trade union activists commiting suicide to attract attention to the [[workers' rights]] situation in South Korea. see [http://www.kctu.org/ Korean Confederation of Trade Unions (KCTU) web site] for more information
 
South Korea has probably the longest workweeks in all the developed world with 6-day weeks with 44 hours average working time. There have been rumours that South Korea will be switching to 5-day working week in 2005 but there is yet no confirmation on whether this is true.
 
== Turkmenistan ==
[[w:Turkmenistan]] has a sizeable [[w:forced labour]] problem in their [[w:cotton]] industry.
-----
 
= Europe =
* '''[[w:European Consumer Centres Network]]''' [https://ec.europa.eu/info/live-work-travel-eu/consumers/resolve-your-consumer-complaint/european-consumer-centres-network-ecc-net_en '''ECC Net''' at ec.europa.eu]
 
== Austria ==
* Fairtrade organisation: [http://www.fairtrade.at/ yes]
* [https://europakonsument.at/ '''Europäisches Verbraucherzentrum Österreich''' at europakonsument.at] - Austrian chapter of [[w:European Consumer Centres Network]]
 
== Belgium ==
* Fairtrade organisation: http://fairtradebelgium.be/
* [https://www.eccbelgium.be/ '''Belgian European Consumer Centre''' at eccbelgium.be] - Belgian chapter of [[w:European Consumer Centres Network]]
 
== Bulgaria ==
* [https://www.ecc.bg/ '''Bulgarian European Consumer Centre''' at ecc.bg] - Bulgarian chapter of the [[w:European Consumer Centres Network]]
 
== Croatia ==
* [http://ecc-croatia.hr/ '''Croatian European Consumer Centre''' at ecc-croatia.hr] - Croatian chapter of the [[w:European Consumer Centres Network]]
 
== Cyprus ==
* [http://www.ecccyprus.gov.cy/ '''Cypriot European Consumer Centre''' at ecccyprus.gov.cy] - Cypriot chapter of the [[w:European Consumer Centres Network]]
 
 
== Czech Republic ==
* [http://www.fairtrade-cesko.cz/ Fairtrade in the Czech Republic]
* [https://evropskyspotrebitel.cz/ '''Czech European Consumer Centre''' at evropskyspotrebitel.cz] - Czech chapter of the [[w:European Consumer Centres Network]]
 
== Denmark ==
* Fairtrade organisation [http://fairtrade-maerket.dk/ Fairtrade Denmark]
* [https://www.forbrugereuropa.dk/ '''Danish European Consumer Centre''' at forbrugereuropa.dk] - Danish chapter of the [[w:European Consumer Centres Network]]
 
* https://zadaa.co/da/ - online 2nd hand marketplace that works via smartphone app
 
== Estonia ==
* [https://consumer.ee/ '''Estonian European Consumer Centre''' at consumer.ee] - Estonian chapter of the [[w:European Consumer Centres Network]]
 
* [[Fairtrade Labelling Organizations International]] member?: <font color=green>Yes.</font> [http://www.fairtrade.ee/ Fairtrade Estonia]
* [[Traveler router]] coverage?: <font color=green>Yes. Nation-wide. Multimodal</font> [http://peatus.ee/#route_search/eng Peatus.ee]
* [[w:Peer-to-peer carsharing|Peer-to-peer carsharing]]?: <font color=green>Yes.</font> [https://autolevi.ee/ Autolevi (.ee)]]
 
== Finland ==
* Inventions: [[w:Sauna]], [[w:AIV fodder]], [[w:Molotov cocktail]], [[w:IRC]], GNU/[[w:Linux]], [[w:SSH]] and [[w:Git]]
* [[Fairtrade Labelling Organizations International]] member?: <font color=green>Yes.</font> http://www.reilukauppa.fi/
* [[Traveler router]] coverage? <font color=green>Yes. Nation-wide. Multimodal</font> [https://opas.matka.fi/?locale=en opas.matka.fi] [https://www.traficom.fi/en/services/matkafi?toggle=Other%20journey%20planning%20services plus more at traficom.fi]. See also  [[Lists of shared and alternative transport and traveler routers#Multi-modal and local journey planners in Finland]]
* [[w:Carpooling|Carpooling]] services?: <font color=green>Yes.</font> [[Lists_of_shared_and_alternative_transport_and_traveler_routers#Carpooling_services_in_Finland|list]]
* [[w:Peer-to-peer carsharing]]?: <font color=green>Yes.</font> https://www.shareitbloxcar.fi/
* [[w:Carsharing|Carsharing]] service coverage?: peer-to-peer and traditional  carsharing exist in the Metropolitan Helsinki area [[Lists_of_shared_and_alternative_transport_and_traveler_routers#Carpooling_services_in_Finland|list]]
 
=== Registered companies searchable in Internet? Yes ===


'''What is alternative finance? What are alternative financial services?'''
* '''[https://www.ytj.fi/ YTJ.fi]''' [[w:YTJ (Finnish government service)]] (Business Information Service) jointly by the [https://www.prh.fi/en/index.html Finnish Patent and Registration office] ([[w:fi:Patentti- ja rekisterihallitus]]) and the [[w:Finnish Tax Administration]]. ''Online company searches available for free''. The [https://virre.prh.fi/novus/home?execution=e2s1 '''Virre Information Service''' at virre.prh.fi] is a place where you can buy further details.


{{Q|'''Alternative Finance''' refers to financial channels and instruments that have emerged outside of the traditional finance system such as regulated banks and capital markets. Examples of alternative financing activities through 'online marketplaces' are reward-based [[w:crowdfunding|crowdfunding]], [[w:equity crowdfunding|equity crowdfunding]], [[w:peer-to-peer lending|peer-to-peer consumer and business lending]], invoice trading third party payment platforms.|Wikipedia|[[w:alternate finance|alternate finance]]}}
=== Consumer empowerment and activism efforts in Finland ===
* [[Pro Ethical Trade Finland]] (Eetti ry) [https://eetti.fi/ eetti.fi]
* http://kulutusjuhla.fi/ ( Consumption Celebration ) which inherited the now defunct Consumer Gadget association's funds
* https://430.fi/ is a campaign by [[w:Finnwatch|Finnwatch]] [https://finnwatch.org/en/ (.org)] to stop 430 million euros being lost to tax dodging in Finland. The #430miljoonaa campaign was launched in November 2019.
* [[w:fi:Suomen ammattiliittojen solidaarisuuskeskus SASK]] [https://www.sask.fi/mita-teemme/eettinen-kuluttaminen/ ''''''Eettinen kuluttaminen'''''' at sask.fi]


{{Q|'''[[w:Alternative financial services|Alternative financial services]]''' (AFS) are [[w:financial services|financial services]] provided outside traditional [[w:banking|banking]] institutions, on which many [[w:poverty|low-income individuals]] depend. In developing countries, these services often take the form of [[w:microfinance|microfinance]]. In developed countries, the services may be similar to those provided by banks and include [[w:payday loan|payday loan]]s, [[w:rent-to-own|rent-to-own agreements]], [[w:pawnbroker|pawnshops]], [[w:refund anticipation loan|refund anticipation loan]]s, some [[w:subprime lending#Subprime_mortgages|subprime mortgage loans]] and [[w:title loan|car title loans]], and non-bank check cashing, [[w:money order|money order]]s, and money transfers. It also includes traditional [[w:moneylending|moneylending]] by door-to-door collection.|Wikipedia|[[w:alternative financial services|alternative financial services]]}}
=== Help for consumers in Finland ===
Often the spectrum ranges from brute loan sharking in operations known as [[w:payday loan]]s all the way to almost respectable interest taking of non-collateralized loans.
* [https://www.ecc.fi/ Euroopan kuluttajakeskus Suomessa (ECC) at ecc.fi] ([[w:European Consumer Centres Network]])
* https://reklamaatioapuri.fi/ is a service by [https://www.kkv.fi/en/ The Finnish Competition and Consumer Authority] to help you file for reclamation


=== Finnish labels ===
* [https://sinivalkoinenvalinta.suomalainentyo.fi/ sinivalkoinenvalinta.suomalainentyo.fi] by [https://suomalainentyo.fi/en/ The Association for Finnish Work] here you can discover companies with one or more of the following labels
::* [[w:fi:Avainlippu]] (Made in Finland)
::* [[w:fi:Yhteiskunnallinen yritys -merkki]] ([[w:Social entrepreneurship|social enterprise]])
::* [[w:fi:Design from Finland -merkki]]


----
* [https://tietoturvamerkki.fi/ 'Tietoturvamerkki' cybersecurity label] managed by [[w:fi:Liikenne- ja viestintävirasto|fi:Liikenne- ja viestintävirasto]] (Traficom.fi) was launched in late 2019. [https://www.traficom.fi/en/news/finland-becomes-first-european-country-certify-safe-smart-devices-new-cybersecurity-label More info on the cybersecurity label at traficom.fi]


'''Peer-to-peer lending, peer-to-peer investing and socially responsible investing '''
=== Be vegan in Finland ===
* http://www.vegaanituotteet.net is a comprehensive directory to vegan products sold in Finland


{{Q|'''Peer-to-peer lending''', abbreviated '''P2PL''', is the practice of [[w:loan|lending]] money to unrelated individuals, or "peers", without going through a traditional [[w:financial intermediary|financial intermediary]] such as a bank or other traditional [[w:financial institution|financial institution]]. P2PL is not to be confused with [[w:peer to peer investing|peer to peer investing]] (P2PI). This lending takes place online on peer-to-peer lending companies' websites using various different lending [[w:Computing platform|platforms]] and [[w:credit check|credit check]]ing tools. Many also use the abbreviation "P2P" when discussing the peer-to-peer lending or investing industries more generally. Peer-to-peer lending is also known as crowdlending.|Wikipedia|[[w:Peer-to-peer lending|Peer-to-peer lending]]}}
=== Buy local in Finland ===
* https://www.prolocalis.com/ is a mobile and web app for discovering local small and micro enterprises around you in Finland.


{{Q|'''Peer-to-peer investing''' ('''P2PI''') is the practice of investing money in notes to borrowers who are requesting a loan without going through a traditional [[w:financial intermediary|financial intermediary]] and who are unknown to the investor.|Wikipedia|[[w:peer-to-peer investing|peer-to-peer investing]]}}
=== Reducing, reusing and recycling in Finland ===


{{Q|'''Socially responsible investing''' ('''SRI'''), also known as sustainable, socially conscious, "green" or ethical investing, is any [[w:investment|investment]] [[w:strategy|strategy]] which seeks to consider both [[w:financial return|financial return]] and [[w:social good|social good]].|Wikipedia|[[w:socially responsible investing|socially responsible investing]]}}
==== Getting used things to someone that needs them in Finland ====
* https://store.emmy.fi/ - online webshop for selling and buying 2nd hand clothes.
* https://kiertonet.fi/ - an auction place intended for the public sector
* https://rekki.fi/ - buy and sell brand-name 2nd hand clothes
* https://tise.com/ - buy and sell 2nd hand clothes, a web and mobile apps by Tise AS. Also available in a few other countries
* https://www.tori.fi/ - an online marketplace that can be used via web or smartphone app.
* https://vahankaytetty.fi/ - online 2nd hand market. If you want to sell items (mostly clothing) you can send them to vahankaytetty.fi and they take care of selling and mailing the products to the buyers.
* https://zadaa.co/ - a Finnish online 2nd hand marketplace that works via smartphone app. Also in Denmark and Germany.


{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}}
==== Sharing economy in Finland ====
* [https://lacerose.fi/ Lace&Rose] is a clothes loaning service in [[w:Hyvinkää|Hyvinkää]]
* [https://mallaamo.fi/ Mallaamo] - is a clothes loaning service in [[w:Oulu|Oulu]]
* [https://en.upcyclerhelsinki.com/ UPCYCLER Helsinki]<ref group="1st seen in">a Finnish Facebook group "Eettinen, ekologinen ja vastuullinen muoti" [https://www.facebook.com/groups/1838315889715699/permalink/2750918751788737/] concentrated on ethical and ecological wear</ref> offers ethical 1st hand and 2nd hand collections of clothing and also operates a [https://en.upcyclerhelsinki.com/collections/upcycler-lainaamo Upcycler clothes loaning service]
* [http://www.vaatelainaamonoppa.fi/ Vaatelainaamo Noppa] (website under construction as of Nov 2019) is a clothes loaning service in [[w:Kuopio|Kuopio]]
* [https://vaatelainaamotanttu.blogspot.com/ Vaatelainaamo Tanttu] is a clothes loaning service in [[w:Seinäjoki|Seinäjoki]]
* [https://vaatepuu.fi/ Vaatepuu] is a clothes loaning service, that has been operating since 2013. It has locations in [[w:Helsinki|Helsinki]], [[w:Järvenpää|Järvenpää]], [[w:Tampere|Tampere]], [[w:Jyväskylä|Jyväskylä]] and [[w:Turku|Turku]].
* [https://www.vaaterekki.com/ Vaaterekki] is a clothes and jewelry loaning service in Helsinki


{{Q|An '''[[w:ethical bank|ethical bank]]''', also known as a '''social''', '''alternative''', '''civic''', or '''sustainable bank''', is a bank concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes: [[w:ethical investment|ethical investment]], [[w:Impact investing|impact investment]], socially responsible investment, [[w:corporate social responsibility|corporate social responsibility]], and is also related to such movements as the [[w:fair trade|fair trade]] movement, [[w:ethical consumerism|ethical consumerism]], and [[w:social enterprise|social enterprise]].|Wikipedia|ethical bank}}
==== Recycle in Finland ====
* https://www.kierratys.info/ a recycling point locator for all of Finland
* https://www.kiitoskunlajittelet.fi/ - instructions for sorting recyclables
* https://www.facebook.com/KierratysbottiKikka/ - a chatbot in Facebook that helps you determine how to recycle things


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=== Billing services in Finland (for individuals) ===


''' Microfinance and microcredit '''
* [https://www.4eze.works/ '''4eze.works'''] by 4works Oy: [https://4eze.works/lite-laskutuspalvelu/ Lite-laskutuspalvelu] for individuals with under 15 000€ billing / year, [https://4eze.works/basic-laskutuspalvelu/ Basic-palvelu] and [https://4eze.works/pluslaskutuspalvelu/ Plus-laskutuspalvelu for billing with a sole proprietorship] Commission: 2,8-3,9%. The company was founded in Helsinki in Dec '''2018'''<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2783598&tarkiste=7EE937A5DA3A5C7EE7E6268D4AC817C2673AED9E</ref>. Free marketplace,  Commission: 2,0 – 3,6 % and includes  operational liability insurance


{{Q|'''[[w:Microfinance|Microfinance]]''' is a source of [[w:financial services|financial services]] for entrepreneurs and small businesses lacking access to [[w:banking|banking]] and related services.|Wikipedia|microfinance}}
* [http://e-tunnus.fi/ '''e-tunnus.fi''']<ref group="1st seen in" name="omapaja">https://omapaja.fi/laskutuspalvelut-vertailussa/</ref> by Suomen e-tunnus Oy. The company was founded in Tampere in June '''2013'''<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2454421&tarkiste=19FAAD7891C2A9302BA9641D05F7CE645D9D5F1B</ref>. Affiliated with Visma and uses their services and has C/O address at Visma Services. Commission unknown.


{{Q|'''[[w:Microcredit|Microcredit]]''' is the extension of very small [[w:loan|loan]]s ('''microloans''') to impoverished borrowers who typically lack [[w:collateral (finance)|collateral]], steady employment and a verifiable [[w:credit history|credit history]].|Wikipedia|microcredit}}
* [https://finjob.fi/ '''Finjob.fi'''] by Finjob Oy. Founded in Kuopio in May '''2017'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2415642&tarkiste=340AC6D18E3AEAA07C4B32B6C70C39C0F5749BF7</ref> Commission 3,23 %


:: More reading [[w:Impact of microcredit|Impact of microcredit]]
* [https://www.floy.fi/ '''Floy.fi'''] by FLOY OY. Founded in Espoo in May '''2016'''<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2623650&tarkiste=84A7AA0309B5C43870BFA78B4D8B77384DD8E205</ref> Commission 4,0%


----
* [https://free.fi/ '''Free.fi'''] by FREE-Laskutus Oy. Founded in Helsinki July '''2016'''<ref group="history">formerly known as freekevytyrittaja.fi</ref>. Services: [https://free.fi/kevytyrittajyys/ FREE kevytyrittäjyys] (billing without a company), [https://free.fi/yrittajyys/ FREE toiminimiyrittäjyys] (billing with a sole proprietorship, [https://freetalent.fi/ freetalent.fi] (marketplace for connecting workers to customers and vice versa), [https://freeakatemia.fi/ freeakatemia.fi] (in Finnish) where you can learn the ropes of light-entrepreneurship. Commission 4,0 % + additional 2,5 % fee
''' What is APR, why does it matter? '''
{{Q|APR stands for the [[w:annual percentage rate|annual percentage rate]].|everyone|annual percentage rate}}


{{Q|[...] In many countries and jurisdictions, lenders (such as banks) are required to disclose the "cost" of borrowing in some standardized way as a form of [[w:consumer protection|consumer protection]]. APR is intended to make it easier to compare lenders and loan options.|Wikipedia|annual percentage rate}}
* [https://www.kassavirtanen.fi/ '''Kassavirtanen.fi'''] by Kassavirtanen Oy. Founded in Helsinki January '''2017'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2659659&tarkiste=455558B70654CB589C440CF72C49933F9D0F3214</ref> Commission 3,0%


{{Q|In [[w:EU|EU]] all loaning operations must show the APR for their example loans that they use to market their services.|[[w:European Parliament|European Parliament]]|law regarding advertisement of loans}}
* [https://www.keikkalasku.fi/ '''Keikkalasku.fi'''] by Parage Oy (under auxiliary business name Suomen Keikkalasku Oy) contains salary simulator. Founded in Helsinki in February '''2018'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2724941&tarkiste=25C6C4775EE7DE97E77FA7EDB8B703CAF9798A59</ref> No commisssion. Price based on 5€ or 10€ fee per billing.


* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone.
* [https://kevytyrittajat.eezy.fi/ '''kevytyrittajat.eezy.fi'''] [[w:fi:Eezy Kevytyrittäjät|Finnish Wikipedia on Eezy Kevytyrittäjät]], aiemmin Eezy, on suomalainen [[w:fi:osuuskunta|w:fi:osuuskunta]] ja osa Eezy-konsernia. Eezy perustettiin vuonna '''2008''' ja se oli Suomen ensimmäinen laskutuspalvelu. [[w:fi:Eezy|Finnish Wikipedia on Eezy]] Oyj (vuoteen 2019 asti VMP-konserni, VMP Oyj ja VMP Group) on suomalainen henkilöstöpalvelualan yritys, joka tarjoaa erilaisia henkilöstöalan palveluita. Commission 5-7%, no hidden fees. Insurances included.


----
* [https://laskuttamo.com/ '''Laskuttamo.com'''] by Laskuttamo Oy, founded in Vantaa in September '''2020'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2945830&tarkiste=2D42FC4334BFB82969331409787DE1CC115808E4</ref> Commission 3-4%


= Consumerium list of alternative financial services lists =
* [https://odeal.fi/ '''Odeal.fi''']<ref group="1st seen in" name="omapaja"/> by Odeal Oy. Founded in Helsinki in June '''2006'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2201216&tarkiste=3039B40A584675BEC12BDA9EE34CC1DD272EF1C8</ref> Commission 2-5%


* [https://omapaja.fi/ '''Omapaja.fi''']<ref group="1st seen in" name="omapaja"/> by Omapaja Oy. Founded in Oulu in April '''2011'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2319784&tarkiste=8D1E0FB2579140F5C70700B7FFAACA23299A4920</ref>. Seems to be part of a bigger group of companies. [https://tietopalvelu.ytj.fi/yrityshaku.aspx?kielikoodi=1 Probably] owned by [https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2619069&tarkiste=579E9A19025C481CB50D79508A7B10E7498EB7F2 Omapaja Holding Oy] in Oulu. Commission 5-7%


== Socially Responsible Investing ==
* [https://op-kevytyrittaja.fi/ '''op-kevytyrittaja.fi'''] - [[w:fi:OP (finanssiryhmä)|Finnish Wikipedia on OP (finanssiryhmä)]] kevytyrittäjyyspalvelu Commission 5%
* https://www.lendahand.com/ is an online impact investing platform where socially conscious investors can invest in entrepreneurs and sustainable
* [[w:Kiva (organization)|Kiva]] [http://www.kiva.org/ (.org)] is an international nonprofit, founded in 2005 and based in San Francisco, with a mission to connect people through lending to alleviate poverty. It provides P2P microcredits in 82 countries - Their slogan is "To connect people through lending to alleviate poverty"
* https://www.openinvest.co/ is a [[w:Public-benefit corporation]] offering a platform for making [[w:Socially responsible investing|socially responsible investments]] in USD.
* [[w:United Prosperity (organisation)|United Prosperity]] [http://www.unitedprosperity.org/ (.org)] is a non-profit organization offering P2P microcredit services and operates with PayPal payments. It does not lend directly to the receiver of the loan, but instead a bank. The microcredit offered by the investors is used as collateral for the bank resulting in the bank effectively loaning almost double the amount of money invested by the investor.
* [[w:Zidisha|Zidisha]] [https://www.zidisha.org/ (.org)] is a non-profit P2P microcredit platform for investing in Africa and Asia. It is the first international P2P microcredit platform ever created.


== Cryptocurrency based P2P lending services ==
* [https://www.pooli.fi/ '''Pooli.fi'''] by Laskutuspalvelu Pooli Oy. Founded in February '''2020'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2907991&tarkiste=7C25A476DA2C93461AA5522B9AC6892E33941AA3</ref> Commission 5% + additional service fee 2,8% and social security insurancefee 1,53%
* https://www.bitbond.com - Global [[w:bitcoin|bitcoin]] (BTC) based P2P lending initiatives in emerging countries.


----
* [https://www.talenom.fi/kevytyrittaja/# '''Talenom.fi''' kevytyrittäjä] by Talenom Oyj or one of the many companies in the group. Talenom Oyj was registered in Oulu (?) in June '''2013'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2453264&tarkiste=EC9F848B484DBED1750C7A12C3395EE311301010</ref> [https://play.google.com/store/apps/details?id=com.talenom.kevytyrittaja Talenom Kevytyrittäjä Android app] and [https://apps.apple.com/fi/app/talenom-kevytyritt%C3%A4j%C3%A4/id1536726771 Talenom Kevytyrittäj‪ä iOS app] Commission 2%


== Multiple countries / currencies ==
* [https://toimipiste.fi/ '''Toimipiste.fi'''] by Taitajien Toimipiste Oy, founded in Turku in June '''2016'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2689347&tarkiste=1963854700184F5D5CB08A5CEC1F843613502CE7</ref>. Probably owned by [https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2427241&tarkiste=803AB6B5EE18F5990AB7ED8ABC8C8A0A7629D56B Toimipiste Holding Oy] founded in Turku in June '''2017'''. Commission 5%
* https://www.twino.eu/ is P2P lending service operating in the EU, Latvia, Poland, Russia, Georgia, Denmark, Spain and Kazakhstan. The site is available in English, German and Latvian.


= Africa =
* [https://www.truster.fi/ '''Truster.fi'''] by Truster Works Oy, founded in Espoo in June '''2020'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2928012&tarkiste=E6DBDD4637C1EB10FBFBD38DF7BB5EBAF788105D</ref> [https://app.truster.works Web app] [https://play.google.com/store/apps/details?id=com.trusterworks.app Truster Works light entrepreneurship Android app] and [https://apps.apple.com/gb/app/truster-works/id1512815131?ign-itsct=apps_box&ign-itscg=30200 Truster Works kevytyrittäj‪ä iOS app] Commission unknown
== Nigeria ==
* https://www.farmcrowdy.com/ facilitates P2P lending to small farmers in Nigeria
* https://www.cloudfarmfunds.com/ facilitates farmers empowerment and enriching its funders in Nigeria


----
* [https://www.ukko.fi/ '''Ukko.fi'''] [https://www.ukko.fi/kevytyrittajyys/ '''UKKO Kevytyrittäjyys''' – ''kattavin kokonaispalvelu kevytyrittäjälle''] - [https://www.ukko.fi/toiminimiyrittajyys/ '''UKKO Toiminimiyrittäjyys''' - ''Yritä oikein. Oikeasti. - Keskity siihen mitä osaat parhaiten. Jätä toiminimen kirjanpito meidän huoleksemme.'']  [https://www.ukko.fi/wp-content/uploads/2019/02/Kevytyritt%C3%A4jyysopas-2019.pdf UKKO.fi 2019 Kevytyrittäjyysopas].  [[w:fi:UKKO.fi|Finnish Wikipedia on UKKO.fi]] Commission 5% + additional fee 2,9%


= Asia =
* [https://www.uuras.fi/ '''Uuras.fi''' kevytyrittäjäpalvelu] by Suomen GTM Osuuskunta<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2757847&tarkiste=5AAEF67241E2F85BE25530AFCF34FCC2048CB0D9</ref>. Suomen GTM Osuuskunta was founded in Helsinki in July '''2018'''. Auxiliary business name ''Kevytyrittäjäpalvelu Uuras'' registered in October '''2020'''. Commission 4% + aditional fee 2,5% which which includes health insurance, operational liability insurance and occupational accident insurance.


== Australia ==
'''Tutorials and comparisons of billing services for individuals'''
=== List of P2P financial services in Australia ===
* https://www.societyone.com.au/
* [[w:Virgin Money Australia|Virgin Money Australia]] [http://virginmoney.com.au/ (.com.au)]
* [[w:Wisr|Wisr]] [https://www.wisr.com.au/ (.com.au)] is a publicly listed P2P lending site for consumers in Australia.


== China ==
* https://vakuudeton.com/kevytyrittajyys/
=== List of P2P financial services in China ===
* https://yrityksen-perustaminen.net/kevytyrittajyys/
* http://chinarapidfinance.com/
* https://www.rahakone.fi/paras-laskutuspalvelu/
* https://omapaja.fi/blogi/laskutuspalvelut-vertailussa/ (obs: this is one of the contenders)


* http://english.creditease.cn/
* https://uusityo.fi/ is the industry trade association of the billing services providers that claims that its members comprise 95% of the revenua in the industry
* [[w:Lufax|Lufax]] [https://www.lu.com/ (.com)]
* http://www.tuandai.com/
* https://m.wolaidai.com/ by http://www.welab.co/


== Hong Kong ==
=== Wikipedia articles about things in Finland ===
=== List of P2P financial services in Hong Kong ===
* [[w:fi:Luokka:Kuluttajansuoja]]
* https://www.welend.hk/en/ by [[w:WeLab]] [http://www.welab.co/ (.co)]] is a P2P financing service aimed at private individuals
* [[w:Public transport in Helsinki|Public transport in Helsinki]]


== India ==
=== Employment agencies in Finland ===
=== List of P2P financial services in India ===
* [https://www.wellpack.fi/ Wellpack.fi] by Wellpack Oy. Founded in Helsinki in May '''2013'''.<ref>https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2448137&tarkiste=60F4D778CBD37AF13F2D96553B7B94C08CD2142E</ref> Services: [https://www.wellpack.fi/henkilostovuokraus/ Henkilöstövuokraus] Personnel hire services, [https://www.wellpack.fi/rekrytointi/ Rekrytointi] Recruitment and staffing services, [https://www.wellpack.fi/avoimet-tyopaikat/ Avoimet työpaikat] Available open jobs. Mostly logistics, industrial, production and metal work.


* https://cashkumar.com
==France==
* http://i2ifunding.com
*[https://www.europe-consommateurs.eu/fr/accueil/ '''French European Consumer Centre''' at europe-consommateurs.eu] - French chapter of the [[w:European Consumer Centres Network]]
* [http://www.inoxcapitals.com Inox Capitals (.com)]
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font> http://www.maxhavelaarfrance.org/
* https://www.lendbox.in
* [[w:Milaap|Milaap]] [https://milaap.org/ (.org)] microfinance in India and Singapore
* [[w:Rang De|Rang De]] [https://www.rangde.org/ (.org)] microfinance by P2P lending.


== Korea ==
==Germany==
* 8Percent [https://8percent.kr/ (.kr)]is a korean P2P financing service for businesses
Inventions: Printing press, [[w:intermodal journey planner|intermodal]] [[w:public transport route planner|public transport route planner]]
* Funda [https://www.funda.kr/v2/ (.kr)] is a P2P financing service for SMEs
* [[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font> http://www.fairtrade-deutschland.de/index.php
* Honest Fund [https://www.honestfund.kr/ (.kr)] is a P2P financing service by BMO
*[https://www.evz.de '''European Consumer Centre Germany''' at evz.de] - German chapter of [[w:European Consumer Centres Network]]
* Lendit [https://loan.lendit.co.kr/loan (.co.kr)] is a korean P2P financing service for consumers
* Roof Funding [https://www.rooffunding.com/ (.com)] is a Korean P2P financing service for real estate


== Marshall islands ==
*https://zadaa.co/de/ - online 2nd hand marketplace that works via smartphone app
=== List of P2P financial services in Marshall Islands ===
* https://btcpop.co/ Bitcoin based P2P loans service


==Greece ==
*[https://www.eccgreece.gr/en/greek-european-consumer-centre/ '''European Consumer Centre Greece''' at eccgreece.gr] - Greek chapter of [[w:European Consumer Centres Network]]


== New Zealand ==
==Hungary ==
=== List of P2P financial services in New Zealand ===
*[https://fogyasztovedelem.kormany.hu/#/europai_fogyasztoi_kozpont '''European Consumer Centre Hungary''' at fogyasztovedelem.kormany.hu] - Hungarian chapter of [[w:European Consumer Centres Network]]
* [[w:Harmoney|Harmoney]] [https://www.harmoney.co.nz/ (.co.nz)] is a P2P lending service for consumers
* https://www.squirrelmoney.co.nz/ is a P2P lending service for consumers


== Singapore ==
==Iceland==
=== List of P2P financial services in Singapore ===
*[https://eccisland.is '''European Consumer Centre Iceland''' at eccisland.is] - Icelandic chapter of [[w:European Consumer Centres Network]]
* [https://www.capable.loans Capable Loans (.loans)] - Loans and crowdfunding for individuals and businesses
* [[w:Capital Match]] [https://www.capital-match.com/ (.com)] P2B financing for SMEs in the Southest Asia
* [[w:Funding Societies|Funding Societies]] [https://www.fundingsocieties.com/ (.com)] P2B financing for SMEs
* [https://www.minterest.sg Minterest (.sg)] P2B lending to businesses
* [https://validus.sg Validus Capital (.sg)] P2B lending platform for SMEs and accredited investors


= Europe =
==Ireland==
== List of P2P financial services in Europe ==
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font> [http://www.fairtrade.ie/ Fairtrade Ireland]
* https://october.eu/ is a P2B service operating from France
*[https://www.eccireland.ie/ '''European Consumer Centre Ireland''' at eccireland.ie] - Irelandic chapter of [[w:European Consumer Centres Network]]


== Austria ==
''Registered companies searchable in Internet?'' '''YES'''
=== List of P2P financial services in Austria ===
*http://www.cro.ie/search/ - [[Companies Registration Office of Ireland]] - Limited online search of companies
* https://www.dofinance.eu/ service offering auto-investing in loans


== Belgium ==
==Italy==
=== List of P2P financial services in Belgium ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: http://www.fairtradeitalia.it/
* https://www.lookandfin.com/ is a Belgian P2B loan service for SMEs. Available in French and Dutch.


== Bulgaria ==
*[https://www.ecc-netitalia.it/ '''European Consumer Centre Italy''' at ecc-netitalia.it] - Italian chapter of [[w:European Consumer Centres Network]]
* https://www.klearlending.com/ is a bulgarian P2P finance service for consumers.


== Cyprus==
==Latvia==
*http://koronapay.eu/ is international money transfers in Europe
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: The use of the Fairtrade emblem in Latvia is overseen by [https://reilukauppa.fi/en/ Fairtrade Finland]


== Czech republic ==
=== List of P2P financial services in Czech republic ===


* https://www.zltymelon.com/ P2P financing service for consumers
*[https://www.ecclatvia.lv/ '''European Consumer Centre Latvia''' at ecclatvia.lv] - Latvian chapter of [[w:European Consumer Centres Network]]


== Estonia ==
==Lithuania==
=== List of P2P financial services in Estonia ===
* [[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: [http://www.fairtrade.lt/ Fairtrade Lithuania]
* https://www.bondora.com/et is an Estonia based P2P lending service also available in Finnish, English, German and Spanish. (Formerly https://www.bondora.ee)
*[http://www.ms.lt Minciu Sodas] open laboratory for serving and organizing independent thinkers
* https://www.bulkestate.com/en/ is an Estonian real estate crowdfunding and group-buying platform
* https://crowdestate.eu/ P2P real estate funding service. Founded in 2014.
* https://crowdestor.com/ is an Estonian P2B lending site
* https://envestio.com/ is an Estonian P2B investment platform for real estate and more
* https://estateguru.co/ if a P2P service for secured real estate loans. It was originally called https://www.estateguru.eu/. Founded in 2014.
* https://fundwise.me/en is an equity crowdfunding service. It was founded in 2015.
* https://investly.eu/ is a P2B service for invoice financing. It was founded in 2014.
* https://www.iuvo-group.com/en/ is an Estonian P2P investment platform
* https://www.monestro.com/ is an Estonian P2P lending site for consumers.
* https://www.moneyzen.eu/en is P2P finance service for consumers. It was founded in 2014.
* https://omaraha.ee/en/ is an Estonian P2P lending site for consumers.


== Finland ==
*[https://www.ecc.lt/ '''European Consumer Centre Lithuania''' at ecc.lt] - Lithuanian chapter of [[w:European Consumer Centres Network]]
=== List of Finnish alternative financial services lists ===
View [[Lists of price comparison services#Finland|Consumerium list of price comparison services in Finland]] for more finance related comparison shopping websites].


=== List of P2P financial services in Finland ===
== Luxembourg ==
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: http://www.transfair.lu/


* https://www.bondora.fi/ - Consumer loans service
* http://www.fellowfinance.fi/ P2P financing service offering consumer and business loans
* https://www.fixura.fi/en-fi/home/ P2P lending service for consumers
* https://kingrahoitus.fi/laina-yksityiselta/
* https://www.lainaaja.fi/ P2P lending service for consumers
* https://vauraus.fi/ is a P2P lending service for businesses.


=== List of alternative investment schemes in Finland ===
*[https://www.cecluxembourg.lu/ '''European Consumer Centre Luxembourg''' at cecluxembourg.lu] - Luxembourgian chapter of [[w:European Consumer Centres Network]]
* https://www.fastinvest.com/en is a service for investors to finance loans given out by an orginator. Also possiblity to invest in an ICO (Initial Coin Offering).
* Funds accumulated by http://korkeatuottoinen.fi/ are being lent out as consumer finance by http://lainasto.com. They claim the [[w:preferred shares|preferred shares]] of lainasto.com are paid interest an 8% yield, paid 12x a year by korkeatuottoinen.fi.


== France ==
==Malta==
=== List of P2P financial services in France ===
*[http://eccnetmalta.gov.mt/ '''European Consumer Centre Malta''' at eccnetmalta.gov.mt] - Maltese chapter of [[w:European Consumer Centres Network]]


* https://bolden.fr/ P2B lending service
== Netherlands==
* https://www.credit.fr/ P2P lending service for SMEs and consumers
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: http://maxhavelaar.nl/
* https://en.lendix.com/ is a French P2P financing service for SMEs and individuals. Available also in Spanish, French and Italian.
''Registered companies searchable in Internet?'' '''YES'''
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques  »
*[http://www.kvk.nl Dutch: www.kvk.nl], [http://www.kvk.nl/home/homeUK.asp English: www.kvk.nl] - [[Kamer van Koophandel]]
* https://www.unilend.fr/ is a French P2P lending service for SMEs
*[https://www.eccnederland.nl/ '''European Consumer Centre Netherlands''' at eccnederland.nl] - Dutch chapter of [[w:European Consumer Centres Network]]
* https://www.younited-credit.com/ - Consumer loans, refinancing and insurances - ''Le crédit, en plus rapide''
* https://www.pretto.fr/ - real estate broker online and free


== Germany ==  
==Norway==
=== List of P2P financial services in Germany ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>: http://www.fairtrade.no/


* https://www.auxmoney.com/ - Geld leihen, Geld anlegen
*[https://forbrukereuropa.no/ '''European Consumer Centre Norway''' at forbrukereuropa.no] - Norwegian chapter of [[w:European Consumer Centres Network]]
* [[w:Funding Circle|Funding Circle]] [https://www.fundingcircle.com/de/ (.com)] Firmenkredit was previously called [[w:Zencap]] [https://www.zencap.de/ (.de)].
* https://www.crosslend.com/ is a German B2B investing service
* [[w:Lendico|Lendico]] [https://www.lendico.com/ (.com)] P2B loans platform


=== List of P2P rental services in Germany ===
==Poland==
* [[w:Erento|Erento]] [https://www.erento.com/ (.com)] P2P rentals
*[https://konsument.gov.pl/ '''European Consumer Centre Poland''' at konsument.gov.pl] - Polish chapter of [[w:European Consumer Centres Network]]


== Ireland ==
==Portugal==
=== List of P2P financial services in Ireland ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:[http://www.sellocomerciojusto.org/ Fairtrade Portugal]
* https://flender.ie/ P2P financing for consumers
* https://www.gridfinance.ie/ is an Irish P2B financing service for SMEs
* https://www.linkedfinance.com/ P2B financing service for SMEs


== Italy ==
*[https://cec.consumidor.pt/ '''European Consumer Centre Portugal''' at cec.consumidor.pt] - Portuguese chapter of [[w:European Consumer Centres Network]]
=== List of P2P financial services in Italy ===
* http://prestiamoci.it/ P2P loans for consumers
* http://www.smartika.it P2P loans for consumers


== Latvia ==
== Romania==
=== List of P2P financial services in Latvia ===


=== List of investment services in Latvia ===
*[http://www.eccromania.ro/ '''European Consumer Centre Romania''' at eccromania.ro] - Romanian chapter of [[w:European Consumer Centres Network]]


* https://www.grupeer.com/ Investment platform into loans from originators
== Slovakia ==
* https://system.lenndy.com/ is a Latvian P2P investment service that finances both consumer and SME loans
* [[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:[http://www.fairtrade-cesko.cz/ Fairtrade Slovakia]
* https://www.mintos.com/en/ Investment platform into loans from originators
* https://peerberry.com/ ab investment platform into loans from originators
* https://robo.cash/ Automated investing into loans from originators
* https://www.swaper.com/ is a Latvian loan marketplace platform offering investments in pre-funded unsecured consumer loans originated by its parent company Wandoo Finance Group.
* https://viainvest.com/ - Investment platform into loans from originators
* https://www.viventor.com/ Investment platform into loans from originators


== Lithuania ==
*[https://esc-sr.sk/ '''European Consumer Centre Slovakia''' at esc-sr.sk] - Slovakian chapter of [[w:European Consumer Centres Network]]
=== List of P2P financial services in Lithuania ===
* https://gosavy.com/ is a Lithuanian P2P investment platform
* https://www.finbee.lt/en/ P2P and P2B loans service for consumers and SMEs
* https://www.neofinance.com/ is a Lithuanian P2P investment platform


== Netherlands ==
==Slovenia==  
=== List of P2P financial services in Netherlands ===
*[https://www.epc.si/pages/si/domov.php '''European Consumer Centre Slovenia''' at epc.si] - Slovenian chapter of [[w:European Consumer Centres Network]]
* https://www.fundingcircle.com/nl/ provides P2P loans to SMEs
* https://www.geldvoorelkaar.nl/ P2P lending service for SMEs


== Poland ==
==Spain==  
=== List of P2P financial services in Poland ===  
*[https://cec.consumo.gob.es/CEC/web/home/index.htm '''European Consumer Centre Spain''' at cec.consumo.gob.es] - Spanish chapter of [[w:European Consumer Centres Network]]
* https://www.finansowo.pl/ P2P loan service for consumers


== Portugal ==
==Sweden ==
=== List of P2P financial services in Portugal ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:Fairtrade organisation: http://www.raettvist.se/
* https://www.raize.pt/ is a Portuguese P2P loan service for SMEs. Raize was the first P2P financial service in Europe to go public with it's IPO in 2018
''Registered companies searchable in Internet?'' '''YES'''
*http://www.prv.se/eng/ [[Swedish Patent and Registration Office]] covers Companies, Trademarks, Patents and People. ''Limited online company and trademark searches available for free''


*[https://www.konsumenteuropa.se/ '''European Consumer Centre Sweden''' at konsumenteuropa.se] - Swedish chapter of [[w:European Consumer Centres Network]]


== Slovakia ==
====Switzerland====
=== List of P2P financial services in Slovakia ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:Fairtrade organisation: http://www.maxhavelaar.ch
* https://www.zltymelon.com/


== Spain ==
==United Kingdom==
=== List of P2P financial services in Spain ===
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:[[w:The Fairtrade Foundation|The Fairtrade Foundation]]


* https://www.grow.ly/ P2B lending service for business loans
*[https://www.ukecc.net/ '''UK European Consumer Centre''' at ukecc.net] - UK chapter of [[w:European Consumer Centres Network]]
* https://www.loanbook.es/ P2B lending service for SMEs
* https://www.mytriplea.com/ is a Spanish P2P lending service


== Sweden ==
* [https://www.fundraisingregulator.org.uk/directory '''The Directory''' by the independent regulator of charitable fundraising in England, Wales and Northern Ireland at fundraisingregulator.org.uk]
=== Lists of P2P financial services in Sweden ===
* https://lendify.se/ P2P investments and loans for consumers
* https://toborrow.se/sv/ P2P investments and loans for consumers


== Switzerland ==
'''Recycling in the UK'''
* https://www.advanon.com/en - A Swiss P2P invoice financing service
*The UK does not currently have a deposit and reverse vending systems for beverage containers, but this could change in the future according to [https://www.bbc.com/news/science-environment-42953038 this BBC.com article 'UK 'could adopt' Norway bottle recycling system']


== UK ==
=North and Middle America=
* [[w:Office of Fair Trading]]
==Canada ==
* http://p2pfa.info/ - Peer-to-peer Finance Association of UK
*http://www.ecocentricguide.ca/ blogging and marketing about all things ecolo. webshop plus physical outlets via cooperating businesses.
* http://www.ethicaldirectory.ca/ - Green & Ethical Businesses == Good Business


=== List of P2P financial services in UK ===
''Registered companies searchable in Internet?'' '''Not determined'''
* https://www.ablrate.com/ P2B financing service
* [[w:Abundance Investment|Abundance Investment]] [https://www.abundanceinvestment.com/ (.com)] P2P funding for ethical and ecological projects and endeavors.
* https://www.archover.com/ P2P financing for businesses
* [[w:Assetz Capital|Assetz Capital]] [https://www.assetzcapital.co.uk/ (.co.uk)]
* https://blendnetwork.com/ is a P2B lending service for established businesses which can provide collateral
* [[w:BondMason|BondMason]] [https://www.bondmason.com/ (.com)] P2P lending
* https://www.thebridgecrowd.com/ P2P real estate loans secured by real estate
* https://www.britishpearl.com/ is a P2P real estate financing service where you can invest in shares in properties or issue a loan. Has ISA investing available
* https://www.burnleysavingsandloans.co.uk/ P2P loans for consumers and companies. Vehicle loans and refinancing
* http://www.buy2letcars.com/ P2P funding for purchasing cars to lease out to individuals.
* https://www.capitalstackers.com/ is a P2P lending service for real estate
* https://www.crowd2fund.com/ P2P financing for businesses
* https://www.crowdcube.com/ P2B financing for SMEs and startups
* http://crowdestates.com/ P2P funding of real estate developments
* https://crowdforangels.com/ P2P bonds and shares based financing for businesses
* https://www.crowdproperty.com/ P2P funding for real estate deals
* https://www.crowdstacker.com/ P2B lending service
* https://www.downingcrowd.co.uk/ P2B lending service
* https://easymoney.com/ is a P2P real estate financing service offering ISA investments
* [[w:EdAid|EdAid]] [https://www.edaid.com/ (.com)] finance your university tuitition via crowdfunding
* https://www.elevateinvest.com/ P2P real estate oriented lending service
* [[w:Folk2Folk|Folk2Folk]] [https://www.folk2folk.com/ (.com)]
* [[w:Funding Circle]] [https://www.fundingcircle.com/uk/ (.com)]- investor-to-business loans
* https://www.fundingknight.com/
* https://www.fundingsecure.com/ P2P asset secured loans
* https://www.growthstreet.co.uk/ P2P financing for businesses
* http://www.hl.co.uk/ Hargreaves Lansdown P2P financing and other financial services
* https://www.hnwlending.co.uk/ P2P finance service specialized in catering to High Net Worth (HNW) individuals who secure the loans with assets.
* https://www.thehousecrowd.com/ is an UK P2P financing service where the loans are collateralized by real estate
* http://www.investandfund.com/ P2P lending to residential property developments
* https://invest.kuflink.co.uk/ P2P lending for real estate. Features select-invest, ISA and auto-invest
* https://www.justus.co/ P2P finance for consumer mortgages and loans
* https://www.koyoloans.com/ Koyo Loans
* [[w:Landbay|Landbay]] [https://landbay.co.uk/ (.co.uk)] is a peer-to-peer lending platform for residential buy-to-let mortgages
* [[w:LandlordInvest|LandlordInvest]] [https://landlordinvest.com/ (.com)] buy-to-let and renovating secured by real estate P2P investments and loans
* https://www.lendable.co.uk/ P2P finance for private individuals
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)] - lending to SMBs
* [[w:Lending Works|Lending Works]] [https://www.lendingworks.co.uk/ (.co.uk)]  is the first UK P2P lending company that includes credit default protection for the lenders
* [[w:LendInvest|LendInvest]] [https://www.lendinvest.com/ (.com)] secured P2P real estate loans
* https://lendy.co.uk/ P2P lending for real estate with loans secured by the real estates
* https://www.marketinvoice.com invoice financing
* https://www.moneyandco.com/home P2P financing for businesses
* https://themoneyplatform.com/ short term competitive P2P lending service
* https://www.moneything.com/ is a P2P financing service for large collateralized loans
* https://www.newable.co.uk/ is a P2B financing service that offers ability to invest via funds or your own investment portfolio.
* https://octopuschoice.com/ realty backed P2P investment service
* https://www.orchardlendingclub.com/ is a P2P lending site that lends to insurance brokers, legal and accountancy firms and schools and parents
* https://www.peerfunding.co.uk/ P2B lending service
* https://primestox.com/ P2P site for financing food production and distribution
* https://www.propertycrowd.com/ secured P2P loans for real estate. Has IFISA eligible products available
* https://www.proplend.com/ secured P2P lending for businesses
* https://www.quidcycle.com/ P2P financing for consumers including refinancing
* [[w:RateSetter]] [https://www.ratesetter.com/ (.com)]
* [[w:rebuildingsociety.com|RebuildingSociety]] [https://www.rebuildingsociety.com/ (.com)] small business loans
* https://trading.relendex.com/ P2B real estate loans. Has self-select and secured-portfolio ISA investment products
* https://www.sancus.com/ Guernsey-based P2P lending service servicing SMEs
* https://www.savingstream.co.uk/
* https://www.simplecrowdfunding.co.uk/ offers P2P ISA real estate investments and loans
* https://stemfund.com/ P2B loans
* [[w:ThinCats|ThinCats]] [https://www.thincats.com (.com)] investor-to-business loans
* https://www.ukbondnetwork.com/ P2P service enabling investing in bonds or financing your business
* [[w:Unbolted|Unbolted]] [https://unbolted.com/uk/ (.com)]
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]]
* [[w:Virgin Money UK|Virgin Money UK]] [https://uk.virginmoney.com/virgin/ (.com)]
* https://welendus.com/ is a P2P lending service for consumers
* https://www.yesgrowth.com/ secured and unsecured P2B loans
* [[w:Zopa]] [http://www.zopa.com/ (.com)]. The oldest P2P lending site on Planet Earth
* [[w:LendingCrowd|LendingCrowd]] [https://www.lendingcrowd.com/ (.com)]


=== Lists of P2P financial services in UK ===
==Haiti ==
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story]
''Registered companies searchable in Internet?'' '''Not determined''', highly unlikely


= Middle East =
''Ecological questions''
== Israel ==
*[[Deforestation]] problem from [[charcoal]] [[product]]ion
=== List of P2P financial services in Israel ===
* [[w:BLender p2p|BLender p2p]] [https://www.blender.co.il/ (.co.il)] P2P consumer loans
* http://www.creditplace.com/ SMB loans
* https://www.eloan.co.il/ consumer loans
* TARYA consumer loans
* http://www.loan4u.co.il/ consumer loans
* https://best-price.co.il/ consumer loans


== United Arab Emirates ==
== Mexico==
=== List of P2P financial services in UAE ===
* https://www.beehive.ae/ P2B loans platform offering business finance and invoice financing


= South America =
==USA==
== Brasilia ==
*Fairtrade organisation: http://www.fairtradeusa.org/
=== List of P2P financial services in Brasilia ===
*http://www.goodguide.com/- Ethical shopping guide webgui and app give a 0 to 10 scale rating for for [[health]], [[environment]], and [[social impact]]. App only for iOS. That ain't very ethical towards Android OS users.
* https://www.nexoos.com.br/ P2P lending service for loans to SMEs


= North America =
*[https://www.pacer.gov/ Public Access to Court Electronic Records (PACER.org)] is an electronic public access service that allows users to obtain case and docket information online from federal appellate, district, and bankruptcy courts and is provided by the Federal Judiciary. If a PACER user quarterly usage is $30 or less, the <font color="green">bill will be waived</font>.


== Canada ==
* https://openpaymentsdata.cms.gov/ - The Open Payments Search Tool is used to search payments made by drug and medical device companies to physicians and teaching hospitals.
=== Lists of P2P financial services in Canada ===
* [[w:Optimize Capital Markets|Optimize Capital Markets]] [http://www.optimizecapitalmarkets.com/ (.com)] business financing service


== USA ==
*[http://www.nrf-arts.org/ National Retail Federation / Association for Retail Technology Standards] - Their XML schema covers the following issues: Item & Price Maintenance - Merchandise Flow Management - Inventory Management - Tender Control - Adminstration - Reporting - Ordering - Workforce Management - Customer Relationship Management


* http://www.consumerfinance.gov/
''' Reusing services in the  USA '''
* http://www.responsiblelending.org/
*[[w:The RealReal|The RealReal]] [https://www.therealreal.com/ (.com)] is an online and brick-and-mortar marketplace for authenticated luxury [[w:consignment|consignment]].
* http://cfsaa.com/ - The [[w:Community Financial Services Association of America|Community Financial Services Association of America]] (CFSA) is [[w:trade association|trade association]] representing the interests of the USian [[w:payday lending|payday lending]] industry.


* More reading [[w:Alternative financial services in the United States|alternative financial services in the United States]]
=South America=


=== Lists of P2P financial services in USA ===
==Argentina==
* https://www.fundingcircle.com/us/ - P2B platform for investor to business SME loans
*https://ecomo.com.ar/ - a commercial site that offers help on how to manage issues digitally in Argentina
* [[w:Groundfloor|Groundfloor]] [https://www.groundfloor.us/ (.us)] P2P crowdfunded real estate investing
* [[w:Invest Next Door|Invest Next Door]] [https://www.investnextdoor.com/ (.com)] -  P2B SME loans
* [[w:Lending Club|Lending Club]] [https://www.lendingclub.com/ (.com)] P2P loaning platoform for consumers
* [[w:Peerform|Peerform]] [https://www.peerform.com/ (.com)] P2P loaning platform for consumers
* [[w:Prosper Marketplace|Prosper Marketplace]] [https://www.prosper.com/ (.com)] P2P loaning platform for consumers and debt consolidation
* [[w:SoFi|SoFi]] [https://www.sofi.com/ (.com)] P2P lending service for consumers: refinancing, consumer loans and mortgages
* [[w:Upstart (company)|Upstart]] [https://www.upstart.com/ (.com)] P2P loaning platform for consumers.


==Brazil==
*[[Fairtrade Labelling Organizations International]] member?: <font color="green">Yes.</font>:[http://www.fairtradebrasil.com.br/home Fairtrade Brasil]
----
----


= Links to useful information on P2P lending =
=References=
* [http://www.p2pmoney.co.uk/companies.htm Various comparison charts of P2P sites at p2pmoney.co.uk]
<references />
* [http://www.p2previews.co.uk/ Trusted reviews of UK P2P Lending Platforms at p2previews.co.uk]
 
* [https://www.p2p-banking.com/ P2P Lending Marketplace News and Reviews at p2p-banking.com]
=1st seen in=
* [https://p2plendingsites.com/ Compare P2P lending platforms at p2plendingsites.com]
<references group="1st seen in" />
* [https://www.obviousinvestor.com/ P2P lender reviews & actual returns with screenshots published monthly obviousinvestor.com]
 
* [https://www.lendingmemo.com/p2p-lending-sites/ P2P Lending Investing and Analytics Tools and more at lendingmemo.com]
=History=
* [https://p2pplatforms.com/ Overview of Peer-to-Peer lending platforms at p2pplatforms.com]
<references group="history" />
* [https://crowdfundbeat.com/ News & information for Crowdfunding People at Crowdfundbeat.com]
* [https://www.financialthing.com/ Unbiased p2p lending company reviews & DIY investing information at financialthing.com]
* [https://www.mutuelles-pour-seniors.fr/choisir-ma-mutuelle Peer to Peer Lending Sites - Full List]


[[Category:List]]
[[Category:List]]

Revision as of 08:32, 10 June 2022

This page is for accumulating country information of specific usefullness for Consumerium Services. Also this page serves the purpose of forming a Country template for use in Content Wiki once we figure out what information can be reliably collected.

See w:List of countries for general information on countries of the world.

Here be the current skeleton

Resources

Internal

Lists of shared and alternative transport and traveler routers
Lists of review aggregators and review sites
Lists of price comparison services
Lists of alternative financial services
List of free education
Countries of the world is where the local information relevant to Consumerium goals is gathered
and much more in the Consumerium list of lists


External

Africa

Kenya

Mauritania

w:Mauritania has the highest prevalence of w:slavery in the world despite passing an anti-slavery law in 2007 after sizable international pressure. Read more in w:Slavery in Mauritania.

South Africa

Asia

Australia

Registered companies searchable in Internet? YES

China

Workers' rights in China

Trade unions are forbidden by law in China according to the Finnish media.

Hong Kong

India

Japan

  • "Earth Reforesting System" - not sure if this is going to work, but, at least they started with mediawiki, so maybe they are just waiting for others to chip in, just like Consumerium did. Mostly in Japanese.

New Zealand

Pakistan

Registered companies searchable in Internet? YES

South Korea

Workers' rights in South Korea Apparently the workers' situation in South Korea is terrible. There are reports of trade union activists commiting suicide to attract attention to the workers' rights situation in South Korea. see Korean Confederation of Trade Unions (KCTU) web site for more information

South Korea has probably the longest workweeks in all the developed world with 6-day weeks with 44 hours average working time. There have been rumours that South Korea will be switching to 5-day working week in 2005 but there is yet no confirmation on whether this is true.

Turkmenistan

w:Turkmenistan has a sizeable w:forced labour problem in their w:cotton industry.

Europe

Austria

Belgium

Bulgaria

Croatia

Cyprus


Czech Republic

Denmark

Estonia

Finland

Registered companies searchable in Internet? Yes

Consumer empowerment and activism efforts in Finland

Help for consumers in Finland

Finnish labels

Be vegan in Finland

Buy local in Finland

Reducing, reusing and recycling in Finland

Getting used things to someone that needs them in Finland

  • https://store.emmy.fi/ - online webshop for selling and buying 2nd hand clothes.
  • https://kiertonet.fi/ - an auction place intended for the public sector
  • https://rekki.fi/ - buy and sell brand-name 2nd hand clothes
  • https://tise.com/ - buy and sell 2nd hand clothes, a web and mobile apps by Tise AS. Also available in a few other countries
  • https://www.tori.fi/ - an online marketplace that can be used via web or smartphone app.
  • https://vahankaytetty.fi/ - online 2nd hand market. If you want to sell items (mostly clothing) you can send them to vahankaytetty.fi and they take care of selling and mailing the products to the buyers.
  • https://zadaa.co/ - a Finnish online 2nd hand marketplace that works via smartphone app. Also in Denmark and Germany.

Sharing economy in Finland

Recycle in Finland

Billing services in Finland (for individuals)

  • e-tunnus.fi[1st seen in 2] by Suomen e-tunnus Oy. The company was founded in Tampere in June 2013[2]. Affiliated with Visma and uses their services and has C/O address at Visma Services. Commission unknown.
  • Finjob.fi by Finjob Oy. Founded in Kuopio in May 2017.[3] Commission 3,23 %
  • Floy.fi by FLOY OY. Founded in Espoo in May 2016[4] Commission 4,0%
  • Keikkalasku.fi by Parage Oy (under auxiliary business name Suomen Keikkalasku Oy) contains salary simulator. Founded in Helsinki in February 2018.[6] No commisssion. Price based on 5€ or 10€ fee per billing.
  • Laskuttamo.com by Laskuttamo Oy, founded in Vantaa in September 2020.[7] Commission 3-4%
  • Pooli.fi by Laskutuspalvelu Pooli Oy. Founded in February 2020.[10] Commission 5% + additional service fee 2,8% and social security insurancefee 1,53%
  • Uuras.fi kevytyrittäjäpalvelu by Suomen GTM Osuuskunta[14]. Suomen GTM Osuuskunta was founded in Helsinki in July 2018. Auxiliary business name Kevytyrittäjäpalvelu Uuras registered in October 2020. Commission 4% + aditional fee 2,5% which which includes health insurance, operational liability insurance and occupational accident insurance.

Tutorials and comparisons of billing services for individuals

  • https://uusityo.fi/ is the industry trade association of the billing services providers that claims that its members comprise 95% of the revenua in the industry

Wikipedia articles about things in Finland

Employment agencies in Finland

France

Germany

Inventions: Printing press, intermodal public transport route planner

Greece

Hungary

Iceland

Ireland

Registered companies searchable in Internet? YES

Italy

Latvia


Lithuania

Luxembourg


Malta

Netherlands

Registered companies searchable in Internet? YES

Norway

Poland

Portugal

Romania

Slovakia

Slovenia

Spain

Sweden

Registered companies searchable in Internet? YES

Switzerland

United Kingdom

Recycling in the UK

North and Middle America

Canada

Registered companies searchable in Internet? Not determined

Haiti

Registered companies searchable in Internet? Not determined, highly unlikely

Ecological questions

Mexico

USA

  • Public Access to Court Electronic Records (PACER.org) is an electronic public access service that allows users to obtain case and docket information online from federal appellate, district, and bankruptcy courts and is provided by the Federal Judiciary. If a PACER user quarterly usage is $30 or less, the bill will be waived.
  • https://openpaymentsdata.cms.gov/ - The Open Payments Search Tool is used to search payments made by drug and medical device companies to physicians and teaching hospitals.

Reusing services in the USA

South America

Argentina

  • https://ecomo.com.ar/ - a commercial site that offers help on how to manage issues digitally in Argentina

Brazil

References

  1. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2783598&tarkiste=7EE937A5DA3A5C7EE7E6268D4AC817C2673AED9E
  2. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2454421&tarkiste=19FAAD7891C2A9302BA9641D05F7CE645D9D5F1B
  3. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2415642&tarkiste=340AC6D18E3AEAA07C4B32B6C70C39C0F5749BF7
  4. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2623650&tarkiste=84A7AA0309B5C43870BFA78B4D8B77384DD8E205
  5. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2659659&tarkiste=455558B70654CB589C440CF72C49933F9D0F3214
  6. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2724941&tarkiste=25C6C4775EE7DE97E77FA7EDB8B703CAF9798A59
  7. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2945830&tarkiste=2D42FC4334BFB82969331409787DE1CC115808E4
  8. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2201216&tarkiste=3039B40A584675BEC12BDA9EE34CC1DD272EF1C8
  9. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2319784&tarkiste=8D1E0FB2579140F5C70700B7FFAACA23299A4920
  10. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2907991&tarkiste=7C25A476DA2C93461AA5522B9AC6892E33941AA3
  11. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2453264&tarkiste=EC9F848B484DBED1750C7A12C3395EE311301010
  12. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2689347&tarkiste=1963854700184F5D5CB08A5CEC1F843613502CE7
  13. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2928012&tarkiste=E6DBDD4637C1EB10FBFBD38DF7BB5EBAF788105D
  14. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2757847&tarkiste=5AAEF67241E2F85BE25530AFCF34FCC2048CB0D9
  15. ↑ https://tietopalvelu.ytj.fi/yritystiedot.aspx?yavain=2448137&tarkiste=60F4D778CBD37AF13F2D96553B7B94C08CD2142E

1st seen in

  1. ↑ a Finnish Facebook group "Eettinen, ekologinen ja vastuullinen muoti" [1] concentrated on ethical and ecological wear
  2. ↑ 2.0 2.1 2.2 https://omapaja.fi/laskutuspalvelut-vertailussa/

History

  1. ↑ formerly known as freekevytyrittaja.fi
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