This document discusses social business problems, principles, and implementation. Some common social business problems identified include being too local in scale, not being consumer-oriented, and not using available resources efficiently. The document provides principles for better implementing social business, such as involving volunteers and famous people, investing in design, having a clear goal, and partnering with larger organizations. It also questions how individuals can determine if starting a social business is viable based on available unused resources and opportunities to partner with other organizations.
An ethical bank, also known as a social, alternative, civic, or sustainable bank, is concerned with the social and environmental impacts of its investments and loans. Key characteristics include community involvement, sustainable practices, client screenings, and consistent internal and external ethics. While ethical banks aim to do good, they must still maintain financial stability and consider profits since good intentions alone do not protect against economic downturns. Ethical banks differ from traditional banks in their role of serving the common good, origins of money from customer savings created through real economy activities, destinations of money to have positive social, environmental and economic impacts, and transparent management of investments according criteria and values rather than exclusive profit-seeking. Triodos Bank is provided as an
This document defines crowdfunding and discusses its benefits and drawbacks. Crowdfunding is raising money from a large number of people typically online. Benefits include fast financing with no fees, marketing, feedback, and testing ideas. Drawbacks include a large time commitment, fees of 8-12%, high failure rates, and potential damage to reputation if projects fail. The document provides tips for successful crowdfunding such as understanding the process, creating a plan and pitch, securing early pledges, and communicating with investors. It also lists popular crowdfunding platforms like Kickstarter and Indiegogo.
Transition towns aim to reduce reliance on fossil fuels and create more sustainable communities. They involve reclaiming and revitalizing public spaces to encourage community and put pedestrians first. The document discusses definitions of transition towns and provides examples like the first city garden created in Lithuania in 2013, which brought people together and led to additional community initiatives in the area. It also discusses placemaking, urban planning experiments, and grassroots tactics used by "partisan transition towns" to promote sustainability through street art and guerilla actions.
Social innovations are new ideas that meet social needs in more effective ways. They can be products, services, or models that create social relationships and new collaborations. While social innovations help address old social and environmental issues, strengthen societies, and create jobs, there are also several barriers to social innovation. In Lithuania specifically, while the concept is not well defined or researched, some social innovations have been created unconsciously. Barriers there include a lack of venture capital, transparency in public funding, cooperation in the social welfare sector, and management knowledge in social entrepreneurship.
This document discusses social business problems, principles, and implementation. Some common social business problems identified include being too local in scale, not being consumer-oriented, and not using available resources efficiently. The document provides principles for better implementing social business, such as involving volunteers and famous people, investing in design, having a clear goal, and partnering with larger organizations. It also questions how individuals can determine if starting a social business is viable based on available unused resources and opportunities to partner with other organizations.
An ethical bank, also known as a social, alternative, civic, or sustainable bank, is concerned with the social and environmental impacts of its investments and loans. Key characteristics include community involvement, sustainable practices, client screenings, and consistent internal and external ethics. While ethical banks aim to do good, they must still maintain financial stability and consider profits since good intentions alone do not protect against economic downturns. Ethical banks differ from traditional banks in their role of serving the common good, origins of money from customer savings created through real economy activities, destinations of money to have positive social, environmental and economic impacts, and transparent management of investments according criteria and values rather than exclusive profit-seeking. Triodos Bank is provided as an
This document defines crowdfunding and discusses its benefits and drawbacks. Crowdfunding is raising money from a large number of people typically online. Benefits include fast financing with no fees, marketing, feedback, and testing ideas. Drawbacks include a large time commitment, fees of 8-12%, high failure rates, and potential damage to reputation if projects fail. The document provides tips for successful crowdfunding such as understanding the process, creating a plan and pitch, securing early pledges, and communicating with investors. It also lists popular crowdfunding platforms like Kickstarter and Indiegogo.
Transition towns aim to reduce reliance on fossil fuels and create more sustainable communities. They involve reclaiming and revitalizing public spaces to encourage community and put pedestrians first. The document discusses definitions of transition towns and provides examples like the first city garden created in Lithuania in 2013, which brought people together and led to additional community initiatives in the area. It also discusses placemaking, urban planning experiments, and grassroots tactics used by "partisan transition towns" to promote sustainability through street art and guerilla actions.
Social innovations are new ideas that meet social needs in more effective ways. They can be products, services, or models that create social relationships and new collaborations. While social innovations help address old social and environmental issues, strengthen societies, and create jobs, there are also several barriers to social innovation. In Lithuania specifically, while the concept is not well defined or researched, some social innovations have been created unconsciously. Barriers there include a lack of venture capital, transparency in public funding, cooperation in the social welfare sector, and management knowledge in social entrepreneurship.
Tax havens are jurisdictions that provide low or zero tax rates without requiring significant economic activity. They guarantee secrecy on company structures and ownership. Since 2015, just 1% of the world's population owns more wealth than the other 99%, and in 2016 just 8 people had as much wealth as the poorest 3.7 billion people. Inequality has increased within countries even as it decreases globally. The document suggests increasing financial transparency by requiring public reporting of profits and taxes by country for multinationals. It also proposes blacklisting tax havens, unitary taxation based on economic activity, public registries of beneficial ownership, ending harmful national tax practices, and democratizing international tax reform.
This document outlines a lecture on corporate social responsibility (CSR) implementation. It discusses prerequisites for efficient implementation such as identifying why CSR is important and who will be involved. It also defines CSR and relevant stakeholders. Additionally, it presents frameworks for developing a CSR plan, including the Plan-Do-Check-Act cycle and ISO 26000 core areas covering topics like human rights, labor practices, and community involvement. The document concludes by discussing developing an action plan for CSR implementation.
This document provides an overview of corporate social responsibility and sustainable development. It discusses key topics such as ISO 26000 guidance on socially responsible business practices, Carroll's pyramid model of CSR, and the importance of stakeholder engagement. The benefits of CSR are also reviewed, including financial gains, employee motivation and reputation benefits. Implementation of CSR involves understanding why an organization is pursuing it, how it will be achieved, and identifying stakeholders to manage interests.
This document provides an introduction to social entrepreneurship. It defines social entrepreneurship as business primarily driven by social goals and creating positive social and environmental impacts. The document outlines strategies for developing social entrepreneurship, including complementing public services and contributing to social capital growth. It discusses differences between social and traditional for-profit businesses and provides context on social entrepreneurship in the EU and Croatia, including relevant laws, organizations, and funding programs. The document promotes workshops to explore criteria for recognizing social entrepreneurs.
This document discusses collaborative learning (CL). It begins with questions for discussion about the nature and advantages of CL. The nature of CL involves drawing on natural social compositions and balancing individual and group interests. Advantages include increased achievement, positive attitudes, relationships, innovation, understanding, thinking, shared responsibility, reduced anxiety, and comprehension. Motivation in CL comes from good tutor moderation and effective strategies like role-based scenarios, rules/procedures, and feedback. Challenges include not all students being happy, expectations, asymmetrical participation, wasted time, insufficient interaction, withholding ideas, and overfocus on cognition. Successful CL requires practice.
This document provides an overview of developing a social business model canvas. It discusses key concepts like customer empathy, lean startup, business model canvas, value proposition design and theory of change that are important for building a social business. Examples of different types of existing social businesses are also provided like Grameen Bank, Grameen Eyecare Hospital, Dialog in the Dark etc. The document then dives into creating a sample business model canvas for a hypothetical social business accelerator called Young Social Business (YSB). It outlines the customer profiles, jobs, pains, gains, value propositions, and other elements to visualize how the YSB business would work.
The document provides an overview of customer discovery concepts and lessons learned from testing assumptions. It discusses establishing problem and customer theories by defining target users' key needs, wants and motivations. Interviews use open-ended questions to understand problems from users' perspectives rather than leading questions. The document emphasizes starting with qualitative data to understand motivations before quantitative data, and testing assumptions through methods like user journeys and the "five whys" technique. Lessons highlight practicing soft skills, focusing interviews, and re-testing assumptions continuously.
This document provides an overview of economics. It defines economics and outlines its two main branches: macroeconomics and microeconomics. It then gives a brief history of economic thought from the classical school to modern theories like Keynesianism and monetarism. Next, it summarizes key concepts in macroeconomics like GDP, economic growth, inflation, unemployment and business cycles as well as fiscal and monetary policy. Finally, it covers microeconomic topics such as demand and supply, market equilibrium, shifts in demand and supply, and different market structures.
1) The document discusses the principles of linking financial statements, including that each item on the balance sheet must correspond to an item on the cash flow statement, non-cash expenses are added back to net income to calculate cash flow from operations, and cash flow from investing and financing activities are projected directly on the cash flow statement.
2) Key aspects of projecting the statements include determining changes in working capital from operations, treating capital expenditures as cash outflows for investing activities, and showing debt and equity issuances as cash inflows for financing activities.
3) Adjustments are made to the balance sheet by linking non-cash items to their corresponding lines on the cash flow statement, subtracting for asset accounts and adding for
The document provides information on three key financial statements: the income statement, balance sheet, and cash flow statement. The income statement shows revenue, expenses, and profits over a period of time. The balance sheet outlines a company's assets, liabilities, and equity at a point in time. The cash flow statement tracks changes in a company's cash balance over a period from operating, investing, and financing activities.
Collaborative platforms connect people and organizations within an interactive ecosystem where value is created and exchanged. Main features of collaborative services include enabling members to generate offers through filtering and profiles, build reputation through trust systems, and interact through community features. Effective collaborative platforms are easy to use, comfortable, flexible, and social.
Crowdfunding is a collective form of microfinance that uses small contributions from a large number of individuals to support efforts. It allows for sharing and multiplying resources through a transparent process that enables direct and inclusive participation, helping to create communities. There are different types of crowdfunding that can support various projects, and it has seen growing success worldwide and in Italy to fund social and cultural projects.
This document discusses using the Business Model Canvas to design social business models. The Business Model Canvas is a template that breaks a business model down into nine main components: value propositions, key activities, key resources, customer relationships, channels, customer segments, revenue streams, key partners, and cost structure. Each component is described in detail to help social enterprises design sustainable business models focused on solving social and environmental problems rather than personal enrichment.
The document discusses two alternative economic systems: degrowth and the economy of common good. Degrowth advocates for a controlled and regular reduction in economic production to establish a new balance between humans and nature. It identifies unlimited economic growth as the cause of social and ecological problems. The economy of common good is based on principles of human dignity, solidarity, cooperation, and ecological responsibility. It provides businesses an alternative to evaluating success based on common good values rather than profit. Both systems aim to transition away from prioritizing unlimited economic growth above all other considerations.
The document discusses alternative dispute resolution (ADR) and online dispute resolution (ODR) in Italy. The purpose of ADR is to provide alternatives to litigation that can save time and costs. It discusses mediation and assisted negotiation procedures. Article 141 of the Consumer Code concerns sales contracts and service contracts, including cross-border disputes. A lawyer is not required for mediation, but is needed for assisted negotiation. Decisions by the Banking and Financial Ombudsman (ABF) are not binding.
The document discusses the Law 5/2011 of Social Economy in Spain. It originated to provide specific legislation for the social economy sector, which previously did not exist. The law defines social economy entities as those that pursue collective interests of members or the general interest through private economic activities. It applies to cooperatives, mutualities, foundations, associations, labor societies, and other organizations focused on employment and agriculture. The law fulfilled the constitutional mandate to recognize and promote the social economy in Spain.
Tax havens are jurisdictions that provide low or zero tax rates without requiring significant economic activity. They guarantee secrecy on company structures and ownership. Since 2015, just 1% of the world's population owns more wealth than the other 99%, and in 2016 just 8 people had as much wealth as the poorest 3.7 billion people. Inequality has increased within countries even as it decreases globally. The document suggests increasing financial transparency by requiring public reporting of profits and taxes by country for multinationals. It also proposes blacklisting tax havens, unitary taxation based on economic activity, public registries of beneficial ownership, ending harmful national tax practices, and democratizing international tax reform.
This document outlines a lecture on corporate social responsibility (CSR) implementation. It discusses prerequisites for efficient implementation such as identifying why CSR is important and who will be involved. It also defines CSR and relevant stakeholders. Additionally, it presents frameworks for developing a CSR plan, including the Plan-Do-Check-Act cycle and ISO 26000 core areas covering topics like human rights, labor practices, and community involvement. The document concludes by discussing developing an action plan for CSR implementation.
This document provides an overview of corporate social responsibility and sustainable development. It discusses key topics such as ISO 26000 guidance on socially responsible business practices, Carroll's pyramid model of CSR, and the importance of stakeholder engagement. The benefits of CSR are also reviewed, including financial gains, employee motivation and reputation benefits. Implementation of CSR involves understanding why an organization is pursuing it, how it will be achieved, and identifying stakeholders to manage interests.
This document provides an introduction to social entrepreneurship. It defines social entrepreneurship as business primarily driven by social goals and creating positive social and environmental impacts. The document outlines strategies for developing social entrepreneurship, including complementing public services and contributing to social capital growth. It discusses differences between social and traditional for-profit businesses and provides context on social entrepreneurship in the EU and Croatia, including relevant laws, organizations, and funding programs. The document promotes workshops to explore criteria for recognizing social entrepreneurs.
This document discusses collaborative learning (CL). It begins with questions for discussion about the nature and advantages of CL. The nature of CL involves drawing on natural social compositions and balancing individual and group interests. Advantages include increased achievement, positive attitudes, relationships, innovation, understanding, thinking, shared responsibility, reduced anxiety, and comprehension. Motivation in CL comes from good tutor moderation and effective strategies like role-based scenarios, rules/procedures, and feedback. Challenges include not all students being happy, expectations, asymmetrical participation, wasted time, insufficient interaction, withholding ideas, and overfocus on cognition. Successful CL requires practice.
This document provides an overview of developing a social business model canvas. It discusses key concepts like customer empathy, lean startup, business model canvas, value proposition design and theory of change that are important for building a social business. Examples of different types of existing social businesses are also provided like Grameen Bank, Grameen Eyecare Hospital, Dialog in the Dark etc. The document then dives into creating a sample business model canvas for a hypothetical social business accelerator called Young Social Business (YSB). It outlines the customer profiles, jobs, pains, gains, value propositions, and other elements to visualize how the YSB business would work.
The document provides an overview of customer discovery concepts and lessons learned from testing assumptions. It discusses establishing problem and customer theories by defining target users' key needs, wants and motivations. Interviews use open-ended questions to understand problems from users' perspectives rather than leading questions. The document emphasizes starting with qualitative data to understand motivations before quantitative data, and testing assumptions through methods like user journeys and the "five whys" technique. Lessons highlight practicing soft skills, focusing interviews, and re-testing assumptions continuously.
This document provides an overview of economics. It defines economics and outlines its two main branches: macroeconomics and microeconomics. It then gives a brief history of economic thought from the classical school to modern theories like Keynesianism and monetarism. Next, it summarizes key concepts in macroeconomics like GDP, economic growth, inflation, unemployment and business cycles as well as fiscal and monetary policy. Finally, it covers microeconomic topics such as demand and supply, market equilibrium, shifts in demand and supply, and different market structures.
1) The document discusses the principles of linking financial statements, including that each item on the balance sheet must correspond to an item on the cash flow statement, non-cash expenses are added back to net income to calculate cash flow from operations, and cash flow from investing and financing activities are projected directly on the cash flow statement.
2) Key aspects of projecting the statements include determining changes in working capital from operations, treating capital expenditures as cash outflows for investing activities, and showing debt and equity issuances as cash inflows for financing activities.
3) Adjustments are made to the balance sheet by linking non-cash items to their corresponding lines on the cash flow statement, subtracting for asset accounts and adding for
The document provides information on three key financial statements: the income statement, balance sheet, and cash flow statement. The income statement shows revenue, expenses, and profits over a period of time. The balance sheet outlines a company's assets, liabilities, and equity at a point in time. The cash flow statement tracks changes in a company's cash balance over a period from operating, investing, and financing activities.
Collaborative platforms connect people and organizations within an interactive ecosystem where value is created and exchanged. Main features of collaborative services include enabling members to generate offers through filtering and profiles, build reputation through trust systems, and interact through community features. Effective collaborative platforms are easy to use, comfortable, flexible, and social.
Crowdfunding is a collective form of microfinance that uses small contributions from a large number of individuals to support efforts. It allows for sharing and multiplying resources through a transparent process that enables direct and inclusive participation, helping to create communities. There are different types of crowdfunding that can support various projects, and it has seen growing success worldwide and in Italy to fund social and cultural projects.
This document discusses using the Business Model Canvas to design social business models. The Business Model Canvas is a template that breaks a business model down into nine main components: value propositions, key activities, key resources, customer relationships, channels, customer segments, revenue streams, key partners, and cost structure. Each component is described in detail to help social enterprises design sustainable business models focused on solving social and environmental problems rather than personal enrichment.
The document discusses two alternative economic systems: degrowth and the economy of common good. Degrowth advocates for a controlled and regular reduction in economic production to establish a new balance between humans and nature. It identifies unlimited economic growth as the cause of social and ecological problems. The economy of common good is based on principles of human dignity, solidarity, cooperation, and ecological responsibility. It provides businesses an alternative to evaluating success based on common good values rather than profit. Both systems aim to transition away from prioritizing unlimited economic growth above all other considerations.
The document discusses alternative dispute resolution (ADR) and online dispute resolution (ODR) in Italy. The purpose of ADR is to provide alternatives to litigation that can save time and costs. It discusses mediation and assisted negotiation procedures. Article 141 of the Consumer Code concerns sales contracts and service contracts, including cross-border disputes. A lawyer is not required for mediation, but is needed for assisted negotiation. Decisions by the Banking and Financial Ombudsman (ABF) are not binding.
The document discusses the Law 5/2011 of Social Economy in Spain. It originated to provide specific legislation for the social economy sector, which previously did not exist. The law defines social economy entities as those that pursue collective interests of members or the general interest through private economic activities. It applies to cooperatives, mutualities, foundations, associations, labor societies, and other organizations focused on employment and agriculture. The law fulfilled the constitutional mandate to recognize and promote the social economy in Spain.
4. www.ecorl.it/en
4
...Un uomo in giacca e cravatta che apparve un giorno in un
villaggio. In piedi su una cassa di frutta, iniziò a gridare a chi
passava che avrebbe comprato a € 100 in contanti ogni asino
che gli sarebbe stato offerto.
I contadini erano un po' sorpresi, ma il prezzo era alto e quelli
che accettarono tornarono a casa con il portafoglio gonfio e
felici come una pasqua.
La Crisi degli Asini
C'era una volta...
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5
La Crisi degli Asini
C'era una volta...
L'uomo venne anche il giorno dopo e
questa volta offrì € 150 per asino, e di
nuovo tante persone gli
vendettero i propri animali.
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6
Il giorno seguente offrì € 200 a
quelli che non avevano ancora
venduto gli ultimi asini del
villaggio.
La Crisi degli Asini
C'era una volta...
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7
La Crisi degli Asini
C'era una volta...
Vedendo che non ne rimaneva
nessuno, annunciò che avrebbe
comprato asini a € 500 la settimana
successiva e se ne andò dal villaggio.
Il giorno dopo mandò il suo socio con
la mandria nello stesso villaggio con
l'ordine di vendere le bestie a € 400
l'una.
Vedendo la possibilità di realizzare un
utile di € 100 per asino la settimana
successiva, tutti gli abitanti del
villaggio acquistarono asini al doppio o
quattro volte il prezzo al quale li
avevano venduti e, per far ciò,
chiesero prestiti alla banca.
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8
La Crisi degli Asini
C'era una volta...
Come era prevedibile, i due uomini
“d'affari” lasciarono il villaggio...
...andando a godersi il ricavato di
questa bella impresa in un paradiso
fiscale e lasciando tutti gli abitanti
del villaggio con asini senza valore
e debiti fino al collo.
Gli animali furono sequestrati dall‘
autorità ed affittati ai loro precedenti
proprietari dal banchiere.
9. www.ecorl.it/en
9
La Crisi degli Asini
C'era una volta...
Il banchiere andò a piangere dal
sindaco, spiegando che se non
recuperava i propri fondi, sarebbe
stato rovinato e avrebbe dovuto
esigere il rimborso immediato di tutti i
prestiti fatti al Comune.
Per evitare questo disastro il sindaco,
invece di dare i soldi ai contadini del
villaggio perché pagassero i loro
debiti e riprendessero la loro
modesta ma tranquilla e normale vita
precedente, diede i soldi al
banchiere.
10. www.ecorl.it/en
10
La Crisi degli Asini
C'era una volta...
Il banchiere, dopo aver rimpinguato
la sua cassaforte, non cancellò i
debiti ai contadini del villaggio né
quelli del Comune e così tutti
continuarono a rimanere sommersi
dai debiti.
Su consiglio disinteressato del
banchiere, si decise di tagliare le
spese: meno soldi per le scuole, per i
servizi sociali, per le strade, per gli
ospedali.... Venne innalzata l'età di
pensionamento e licenziati tanti
dipendenti pubblici, furono abbassati
i salari e alzate al contempo le tasse.
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11
La Crisi degli Asini
C'era una volta...
.
Questa storia, però, non è ancora
finita perché non sappiamo cosa
fecero gli abitanti del villaggio che,
per certo, erano molto, ma molto
arrabbiati (finanche indignati).
E voi, cosa fareste al loro posto?
Che cosa farete?
12. www.ecorl.it/en
12
Spunti di riflessione (1)
Ti sei mai chiesto cosa fanno le
banche con i nostri soldi?
E cosa vorremmo facessero?
E' possibile scegliere, chiedere
trasparenza, partecipare
attivamente?
Qual è l'interesse più alto?
Guarda il video!
www.youtube.com/watch?v=g125PD72y1U
13. www.ecorl.it/en
13
Spunti di riflessione (2)
I GIOCHI DELLE BANCHE
L'educazione finanziaria in Banca
Etica, un'occasione per riflettere sul
denaro su come lo guadagniamo,
lo spendiamo e lo investiamo
Naviga il sito:
www.bancaetica.it/giochi-delle-banche
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14
Spunti di riflessione (3)
L'esperimento della Ace bank: la
banca trasparente...
la Ace Bank (Belgio) ha sconvolto
il mercato e i propri clienti per
l'assoluta trasparenza...
Guarda il video (fino in fondo) e poi
immagina la tua reazione...se
avessi pari trasparenza dalla tua
banca
Guarda il video !
www.youtube.com/watch?v=LFp2dbWwotM
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15
Spunti di riflessione (4)
Non con i miei soldi
La campagna di informazione e
sensibilizzazione su cosa non va
nella finanza promossa dalla
Fondazione Finanza Etica e Banca
Etica.
Leggi l'articolo di Andrea Baranes
“la finanza dà i numeri”
Naviga il sito:
www.nonconimieisoldi.org
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Approfondimenti
Capire la Finanza
Schede informative sui temi della
finanza.
Progetto informativo promosso
dalla Fondazione Finanza Etica
per offrire ai lettori strumenti utili
per orientarsi nel mondo della
finanza, un settore che riguarda
tutti, risparmiatori e investitori, ma
che non sempre risulta
accessibile e comprensibile.
Qui l'elenco delle schede
www.fcre.it/attivita/informazio
ne/capire-la-finanza-schede