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Lists of alternative financial services: Difference between revisions
Lists of alternative financial services (edit)
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This is the '''Consum(er)ium list of [[w:alternative financial services|alternative financial services]] lists'''. | |||
http://velallisten.yhteinen.asia and http://vertaislainaajien.yhteinen.asia redirect here. | |||
= Consum(er)ium list of alternative financial services lists = | |||
Spectrum of consumer finance | Spectrum of consumer finance | ||
[[w:Predatory lending|Predatory lending]] -> [[w:Payday loan| | [[w:Predatory lending|Predatory lending]] -> [[w:Payday loan|payday loan]] -> proletariat finance -> [[w:Peer-to-peer lending|peer-to-peer loan]] -> credit card debt -> bank loan | ||
== What is alternative finance? What are alternative financial services? == | == What is alternative finance? What are alternative financial services? == | ||
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* APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone. | * APR can range from '''hundreds of percent''' to '''few tens''' of percent. Credit card debt is usually in the 10-15% zone. | ||
== Peer-to-peer lending | == Peer-to-peer lending, peer-to-peer investing and socially responsible investing == | ||
{{Q|''' | {{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]]}} | ||
{{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]]}} | |||
{{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]]}} | |||
{{Q|'''Equity crowdfunding''' is the online offering of private company securities to a group of people to investment.|Wikipedia|[[w:equity crowdfunding|equity crowdfunding]]}} | |||
{{Q|''' | {{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}} | ||
== Microfinance and microcredit == | == Microfinance and microcredit == | ||
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:: More reading [[w:Impact of microcredit|Impact of microcredit]] | :: More reading [[w:Impact of microcredit|Impact of microcredit]] | ||
---- | |||
== | = Multiple countries / global = | ||
* http://www.pointninecap.com/bitbond - Bitcoin based SME funding | |||
* https://btcjam.com/ - [[w:BTCJam]] P2P loans using [[w:bitcoin|bitcoin]]s | |||
* http://www.energyincommon.org/ - [[w:Energy in Common]] microloans for renewable energy solutions | |||
* http://www.kiva.org/ [[w:Kiva (organization)]] microcredit in 82 countries - "To connect people through lending to alleviate poverty" | |||
* https://loanbase.com/ | |||
* https://www.twino.eu/ | |||
* http://www.unitedprosperity.org/ - [[w:United Prosperity (organisation)]] | |||
* http://www.vittana.org/ - [[w:Vittana]] microcredit for the developing world | |||
* https://www.zidisha.org/ - [[w:Zidisha]] microcredit for Africa and Asia | |||
= Asia = | = Asia = | ||
== Australia == | == Australia == | ||
== List of P2P financial services in Australia == | === List of P2P financial services in Australia === | ||
* https://www.societyone.com.au/ | * https://www.societyone.com.au/ | ||
== China == | == China == | ||
== List of P2P financial services in China == | === List of P2P financial services in China === | ||
* | * http://chinarapidfinance.com/ | ||
* | * http://english.creditease.cn/ | ||
* https://www.lu.com/ - [[w:Lufax]] | * https://www.lu.com/ - [[w:Lufax]] | ||
* | * http://www.tuandai.com/ | ||
* | * https://www.dianrong.com/ [[w:Dianrong.com]] | ||
* https://m.wolaidai.com/ by http://www.welab.co/ | * https://m.wolaidai.com/ by http://www.welab.co/ | ||
== Hong Kong == | == Hong Kong == | ||
== List of P2P financial services in Honk Kong == | === List of P2P financial services in Honk Kong === | ||
* https://www.welend.hk/ by http://www.welab.co/ | * https://www.welend.hk/ by http://www.welab.co/ | ||
== India == | == India == | ||
== List of P2P financial services in India == | === List of P2P financial services in India === | ||
* https:// | * http://i2ifunding.com | ||
* https://cashkumar.com | |||
* https://milaap.org/ [[w:Milaap]] microfinance | |||
== New Zealand == | == New Zealand == | ||
== List of P2P financial services in New Zealand == | === List of P2P financial services in New Zealand === | ||
* https://www.harmoney.co.nz/ - [[w:Harmoney]] | * https://www.harmoney.co.nz/ - [[w:Harmoney]] | ||
== Singapore == | == Singapore == | ||
== List of P2P financial services in Singapore == | === List of P2P financial services in Singapore === | ||
* https://www.fundingsocieties.com/ | * https://www.fundingsocieties.com/ | ||
= Europe = | = Europe = | ||
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=== List of P2P financial services in Estonia === | === List of P2P financial services in Estonia === | ||
* https://www.bondora.ee/ | * https://www.bondora.ee/ | ||
* | * https://crowdestate.eu/ (2014) | ||
* https://www.estateguru.eu/ (2014) | |||
* https://fundwise.me/en (2015) - Equity crowdfunding | |||
* https://investly.eu/ (2014) | |||
* https://www.moneyzen.eu/ (2014) | |||
== Finland == | == Finland == | ||
=== List of Finnish alternative financial services lists === | === List of Finnish alternative financial services lists === | ||
View [[Lists of price comparison services#Finland|Consum(er)ium list of price comparison services in Finland]] for more finance related comparison shopping websites]. | |||
=== List of P2P financial services in Finland === | === List of P2P financial services in Finland === | ||
* https://www.bondora.fi/ | * https://www.bondora.fi/ | ||
* http://www.fellowfinance.fi/ | * http://www.fellowfinance.fi/ | ||
* https://fixura.fi/ | * https://www.fixura.fi/fi-fi/home/ | ||
* https://www.lainaaja.fi/ | * https://www.lainaaja.fi/ | ||
* https://www.trustbuddy.fi/ by TrustBuddy AB (NO) | * https://www.trustbuddy.fi/ by TrustBuddy AB (NO) | ||
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* http://friendsclear.com/ - entre entrepreneurs et investisseurs | * http://friendsclear.com/ - entre entrepreneurs et investisseurs | ||
* https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] - | * https://www.pret-dunion.fr/ crédit « entre particuliers » [[w:fr:Prêt d’Union]] - | ||
* http://reassurez-moi.fr/taux-pret-immobilier comparateur open data des banques » | |||
== Germany == | == Germany == | ||
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* http://prestiamoci.it/ | * http://prestiamoci.it/ | ||
* http://www.smartika.it | * http://www.smartika.it | ||
== Lithuania == | |||
=== List of P2P financial services in Lithuania === | |||
* https://www.finbee.lt/en/ | |||
== Poland == | == Poland == | ||
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=== List of UK alternative financial services lists === | === List of UK alternative financial services lists === | ||
=== List of P2P financial services in UK === | |||
=== | |||
* https://www.assetzcapital.co.uk/ [[w:Assetz Capital]] | * https://www.assetzcapital.co.uk/ [[w:Assetz Capital]] | ||
* https://www.folk2folk.com/ [[w:Folk2Folk]] | * https://www.folk2folk.com/ [[w:Folk2Folk]] | ||
* https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]] | * https://www.fundingcircle.com/uk/ - investor-to-business loans [[w:Funding Circle]] | ||
* https://www.fundingknight.com/ | * https://www.fundingknight.com/ | ||
* https://landbay.co.uk/ - [[w:Landbay]] is a peer-to-peer lending platform for residential buy-to-let mortgages | |||
* https://www.lendingcrowd.com/ - [[w:LendingCrowd]] lending to SMBs | |||
* https://www.lendingworks.co.uk/ [[w:Lending Works]] is the first UK P2P lending company that includes credit default protection for the lenders | |||
* https://www.ratesetter.com/ - [[w:RateSetter]] | * https://www.ratesetter.com/ - [[w:RateSetter]] | ||
* https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]] | * https://www.rebuildingsociety.com/ small business loans [[w:rebuildingsociety.com]] | ||
* https://www.savingstream.co.uk/ | |||
* https://www.thincats.com investor-to-business loans [[w:ThinCats]] | * https://www.thincats.com investor-to-business loans [[w:ThinCats]] | ||
* https://unbolted.com/uk/ [[w:Unbolted]] | |||
* https://www.wellesley.co.uk/ - [[w:Wellesley & Co.]] | |||
* http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth | * http://www.zopa.com/ by [[w:Zopa]] Limited. The oldest P2P lending site on Planet Earth | ||
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* http://www.p2pmoney.co.uk/companies.htm | * http://www.p2pmoney.co.uk/companies.htm | ||
* [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story] | * [http://www.theguardian.com/money/2014/feb/15/major-peer-to-peer-lenders-profiled Guardian profiled major peer-to-peer lenders in 2014 story] | ||
= Middle East = | |||
== Israel == | |||
=== List of P2P financial services in Israel === | |||
* https://www.blender.co.il/ consumer loans | |||
* http://www.creditplace.com/ SMB loans | |||
* https://www.eloan.co.il/ consumer loans | |||
* https://www.incredita.co.il consumer loans | |||
* TARYA consumer loans | |||
== United Arab Emirates == | |||
=== List of P2P financial services in UAE === | |||
* https://www.beehive.ae/ | |||
= North America = | = North America = | ||
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=== Lists of P2P financial services in USA === | === Lists of P2P financial services in USA === | ||
* https://www.fundingcircle.com/us/ - investor to business loans | * https://www.fundingcircle.com/us/ - investor to business loans | ||
* https://www.investnextdoor.com/ - [[w:Invest Next Door]] P2P SMB loans | |||
* https://www.lendingclub.com/ - [[w:Lending Club]] | * https://www.lendingclub.com/ - [[w:Lending Club]] | ||
* https://www.peerform.com/ - [[w:Peerform]] | |||
* https://www.prosper.com/ - [[w:Prosper Marketplace]] | * https://www.prosper.com/ - [[w:Prosper Marketplace]] | ||
* https://www.upstart.com/ [[w:Upstart (company)]] | * https://www.upstart.com/ [[w:Upstart (company)]] | ||