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Is Social Business Your Business?
When I mention social business, I am not talking about an entirely new idea. As we discuss social business today, we tend to refer to a couple of unique characteristics that describe a business enterprise.
A social business promotes some worthy social cause as part of its business model.
A social business may help bring individuals together in order to perform business transactions. These are also called peer to peer businesses.
Note that social business is not the same as non-profit businesses. Sometimes they may seem quite similar, but a social business does also exist to make a profit. In general, some of the profit is also used to further the social causes. In other cases, overhead is kept low so business patrons may be able to enjoy a service at a lower cost than they would pay at a more traditional business which provided the same service or product.
Promote A Social Cause
I can think of many examples of companies the help promote social causes as part of their business model. Even many traditional businesses will advertise that they donate a portion of profits or use recycled materials when they can. However a true social business centers their work around these aims.
For example, one company may offer to donate a product for each product that consumers purchase. Another company may only produce their product with recycled materials. Yet another company may employ some disadvantaged group of people.
Peer To Peer
Peer to peer businesses help connect individuals with low overhead from the middle man. This helps expand the network of the individuals who use the service. Advantages may be cost savings, or even increased returns for investors.
Some common examples are peer to peer lending and car sharing. There are a few online companies that have been growing these types of business.
Social Lending
Social lending is hardly a new idea. The first cave men probably borrowed stone tools from their clan members, promising to return the tools with some cut firewood a few days later. Many people turn to their network of family and friends when they need a loan.
Peer to peer, or social lending sites match potential investors with potential buyers. These social lending sites expand the network of potential investors and borrowers. The company, as a middle man, does provide a platform for these interactions to take place. They may also provide some information about the borrowers. But they can manage to do this without all of the overhead of traditional financial institutions. Their aim is to allow borrowers to find lower rate loans, and to help lenders get better returns on their money.
Risks Of Social Lending
Yes, there is still some risk because some lenders do pay late or default. But many investors prefer the higher level of control and potential to earn higher returns. Some lenders just like the idea of helping out people instead of handing their money over the large financial institutions.
Most of the lenders seem to spread out their risk by contributing smaller amounts to several lenders instead of providing the whole bankroll for one lender. So loans may be financed by several lenders. Lenders may have shares in several loans.
Car Sharing
Car sharing sites match vehicle owners with borrowers. Borrowers may be people who do not need to own a car, but just need to use one once in awhile. Sometimes the borrowers are just people, with cars, but who need to use a particular type of vehicle for a short time.
The sites match people who are willing to give up use of their vehicle at different times when that vehicle is not in use. The big car sharing sites also check out driving records and provide insurance coverage so the owners and borrowers are protected.
This gives the borrowers the convenience of local, affordable borrowing rates. It allows the owners to earn a little money for giving up the use of their vehicle for a short time. Since the car sharing company does not actually have to own the vehicles, they can keep their overhead lower.
Why Should Social Business Be Your Business?
Social businesses enjoy a lot of advantages. They may allow some consumers to enjoy lower prices, more convenience, or the ability to promote a social cause. This can provide a loyal and enthusiastic customer base for many of these companies. Social business may help improve your business!
Are you interested in social business? Learn more about peer to peer lending [http://www.over50web.net/finance/loans-without-banks-p2p-lending/]. Also, read more about why social business [http://www.over50web.net/jobs-2/make-money/make-social-business-your-business/] is good business!
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