Or, for 11.98% on 3-Year Patriot Notes and ’3-Year Patriot Notes for Charity’ … Call (775) 200-0680  OR  (612) 605-5244

For Current Press Release on NonProfit Co-Sponsorship of 2011-2012 FundRaising

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Laptop Chat with ‘M3′ Masters, our Chief Mentor

‘Audio Conference Call’

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SHARE2 11.98 % LibertyNotes – Banks Not Lending

OR — Download the Audio Script – Click here

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Liberty Note MicroFunding, an alternative to bank loans for American Small Business Job Creation and Entrepreneurial Innovation

SHARE2 MicroFunds pays Savers and Lenders who purchase contract Liberty Notes of between $50 and $5,000 in $50 increments:

• 6.7% interest on 1-Year Liberty Note - between $50 and $5,000 in $50 increments
  
• 9.7% interest (per yr) 2-Year Liberty Note  – between $50 and $5,000
• 11.98% interest (per yr) for 2.5-Year Liberty Note – between $50 and $5,000

OR

• 11.98% annual interest for 3-Year Patriot Notes  and              ’3-Year Patriot Notes for Chairty’ - of $25,000 and up

The Looting of America – Be prepared to be educated…

History of Microcredit

Microcredit came into existence internationally in the 1970s as a means of making small loans to those in poverty to spur entrepreneurship. Typically, those impoverished in developing countries lack collateral, steady employment and a verifiable credit history — essentially making these prospective entrepreneurs “pre-bankable” under traditional lending standards.  Microcredit has developed an established a good track record of creating self-employment projects that allow the family of the entrepreneur to generate income, and in many cases, begin to build wealth and exit poverty.

Due to the success of Microcredit, internationally, some in the traditional banking industry have begun to realize that these microcredit borrowers should more correctly be categorized as ‘bankable’; thus, microcredit is increasingly gaining credibility in the mainstream finance industry, and many traditional large finance organizations are contemplating microcredit projects as a source of future growth.

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The Role of American Small Business,                              Banks  — and the Velocity of Money

 

‘Link Up’  / Take Action for American Small Business:

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Lending to Women

Lending to women has become an important principle in microcredit, with some banks and NGO’s catering to women exclusively.   Though some Microlenders initially tried to lend to both men and women at equal rates, women presently make up ninety-five percent of larger Microlender’s clients. Women continue to make up seventy-five percent of all microcredit recipients worldwide. Exclusive lending to women began in the 1980s when Grameen Bank found that women have higher repayment rates, and tend to accept smaller loans than men. Subsequently, many microcredit institutions have used the goal of empowering women to justify their disproportionate loans to women.

SHARE2 MicroFunds is aware of the historical international statistics and certainly believes in the empowerment of women and it has been proven that women experience higher bargaining and decision making power within the family as they bring more income to the household.

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To download the SHARE2 MicoFunds-I . overview .pdf,

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SHARE2 MicroFunds – Overview for 11.98% (annual interest) for Liberty Notes, Patriot Notes, ’3-Year Patriot Notes for Charity’

Call (775) 200-0680 for complete information on SHARE2 MicroFunds

• 6.7% 1-Year,  9.7% Interest (per yr) for 2-Year Liberty Notes
• 11.98% Interest (per yr) for 2.5-Year Liberty Notes of $50 to $5,000               — in $50 increments…

 

OR

• 11.98% interest for 3-Year Patriot Notes and                                                    ’3-Year Patriot Notes for Chairty’ - of $25,000 and up

Group Lending

Though Self-Help-Group (SHG) lending has long been a key part of microfinance. Microcredit initially began with the principle of lending to individuals.

Despite the use of solidarity circles in 1970s, early microcredit institutions initially focused on individual lending. Indeed, a few lenders propagated the notion that every person has the potential to become an entrepreneur. The use of SHG-lending was motivated by economics of scale, as the costs associated with monitoring loans and enforcing repayment are significantly lower when credit is distributed to groups rather than individuals, It is this notion of Group Lending that SHARE2 MicroFunds believes has real potential to quickly help the American Recovery effort.

 

Microcredit and the Web

The principles of microcredit have also been applied in attempting to address several non-poverty-related issues. Among these, multiple Internet-based organizations have developed platforms that facilitate a modified form of peer-to-peer lending where a loan is not made in the form of a single, direct loan, but as the aggregation of a number of smaller loans—often at attractive interest rates. There are several ways by which the general public can participate in alleviating Small Business and Micro Business financing stress simply by using Web platforms.

New platforms that connect lenders to micro-entrepreneurs are emerging on the Web, for example SHARE2 MicroFunds provides a guarantee to a local bank which then lends back double that amount to the micro-entrepreneur. We believe this provides both greater leverage and allows the micro-entrepreneur to develop a credit history with their local bank for future loans.  . .

Collateral Services Many scholars and practitioners of Microfinance suggest an integrated package of services (‘a credit-plus’ approach) rather than just handing out money. When access to credit is combined with other services, such as voluntary savings facilities, insurance, production-oriented and risk-management training along with leadership training and marketing support, the entire microcredit process is enhanced and historical international success rates range to the high 90% threshold with previously impoverished clients.