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Crowdfunding: a moda do financiamento coletivo pegou

31/01/2014

Em 2013, mais de US$ 6 bilhões foram arrecadados via vaquinhas virtuais

Crowdfunding: a moda do financiamento coletivo pegou Capu/Agência RBS

Foto: Capu / Agência RBS
Capu, enviado especial, São Paulo

capu@kzuka.com.br

Nesta quinta-feira, um dos assuntos que mais chamou a atenção dos nossos campuseiros na Campus Party, em São Paulo, foi a que tratou de crowdfunding, com a empresária Candice Pascoal, do site kickante.com.br.

Em 2012, os projetos que acreditaram na “vaquinha” coletiva arrecadaram mais de US$ 2,8 bilhões em investimentos. Ano passado, o valor dobrou e chegou a R$ 6 bilhões – em mais de 1 milhão de projetos que saíram do papel.

Segundo Candice, a motivação desse tipo de negócio vem muito da expectativa para o lançamento, da aventura da compra, da exclusividade de receber o produto antes (no caso dos investidores) e também da satisfação por fazer parte do sucesso.

As causas sociais são o carro chefe das vaquinhas virtuais, somando mais de 30% dos projetos. Mas os investimento em games foram os que mais arrecadaram ano passado. Alguns jogos esperavam poucas dezenas de dólares e arrecadaram milhões!

Dicas para quem quer pensar na vaquinha virtual:

* Metas realistas e baixas: qualquer contribuição vale e a maioria das pessoas não ajuda com mais de R$ 50

* Vídeos curtos e objetivos: nos primeiros 30 segundos a galera já precisa entender teu projeto

* Investimento em mídia no Facebook: a rede pode alavancar teu projeto

* Mapeamento do networking: descubra quem do seu círculo pode investir em você

* Liste e peça ajuda de blogs que transitem no mesmo universo do seu projeto

 

Fonte : http://kzuka.clicrbs.com.br/geek-me/noticia/2014/01/crowdfunding-a-moda-do-financiamento-coletivo-pegou-4405920.html

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Una murciana recurre al ‘crowdfunding’ para pagarle la carrera a su hija

Viernes, 31 de Enero de 2014 – El Pajarito educación

altCaptura de imagen del perfil de María José Griñán en getyourcause.com

María José Griñán Frutos es una mujer murciana que percibe una pensión por viudedad y que ha recurrido al ‘crowdfunding’ (micromecenazgo) para poder pagar los estudios de su hija, Isabel, que cursa el grado de Ciencias del Mar en la Universidad de Cádiz, según informó el diario digital Murciaeconomia.com.

La murciana trata de conseguir en la página web getyourcause.com la cantidad de 1.600 euros a través de diferentes recetas culinarias para poder costear la matrícula pues, según explica en la propia web, “no tiene derecho a beca” y está teniendo dificultades para encontrar trabajo, pese a que lo está intentando.

“Desde que empezó el curso (tercer año) nos ha sido imposible encontrarle un trabajo de días sueltos, fines de semana, o lo que sea para ganar un dinero y poder ayudarme a pagar los gastos (200 euros mensuales de alquiler compartido incluyendo agua y luz; comida y demás gastos originados viviendo fuera del domicilio familiar, etc.). Todo se lo estoy financiando yo porque lo único que ha ganado fueron 200 euros el pasado verano cuando estuvo en Murcia en las vacaciones. Pero solo lo puedo hacer hasta febrero. Cuando en ese mes haga sus exámenes, deberá recoger sus enseres y volverse a Murcia. Me da mucha pena porque le encanta lo que está haciendo”, lamenta la madre, que pide aportaciones –la que los usuarios quieran– por platos como un bizcocho de chocolate, unos platillos volantes, unas delicias de avellana y unas tortitas de miel con almendras.

GetYourCause es una plataforma de financiación colectiva o ‘crowdfunding’ con un bien diferenciador, que ayudar a cualquier persona o institución a que el dinero no sea un obstáculo para conseguir aquello con lo que sueña. Los proyectos, ideas o causas son promocionadas a través de la plataforma dando oportunidad a que sean vistos por internautas de todo el mundo, de esta forma se centraliza un punto de encuentro para que, gracias a la participación ciudadana, causas como la de María José Griñán puedan acabar con final feliz.

Pese al poco tiempo de vida, la plataforma ha registrado miles de visitas y ya cuenta con más de 150 usuarios registrados.

Fuente : http://elpajarito.es/region/219-educacion/6880-una-murciana-recurre-al-crowdfunding-para-pagarle-la-carrera-a-su-hija.html

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This New Kind of Kickstarter Could Change Everything

IBM is giving money to its employees for crowdfunded projects

By @VLuckJan. 20, 2014

What if you got to decide your company’s next big project instead of the boss? Some companies are beginning to cede the reins of control to their workers, and they’re looking to an unlikely source as inspiration: crowdfunding platforms like Kickstarter.

Crowdfunding has risen to prominence in recent years as a way for great ideas from ordinary people to receive both attention and financial backing. Now businesses are trying to adapt this model for corporate use, launching Kickstarter-like internal websites through which employees can pitch new ideas and fund them using actual company money.

IBM has been one of the most prominent organizations to experiment with enterprise crowdfunding. The company has developed its own crowdfunding platform, dubbed iFundIT, that employees in its IT department use to develop and pitch potential projects and company purchases. Workers are given up to $2,000 of IBM money that they can use to fund the projects they believe have the most potential. Project creators, who come from all levels of the company, can promote their ideas on the organization’s internal social network.

It’s a more dynamic alternative to the typical process in which a review board of higher-ups decides how to allocate department dollars. “The project dollars are real dollars. The outcome is real spending,” says John Rooney, IBM’s Manager of IT Strategy. “So typically in corporate IT, we’re working top-down. This is trying to take that and turn it around and work from the ground up.”

(MORE: The Crowdfunding Economy Is About to Pop)

So far about 1,000 employees in 30 countries have participated in two rounds of IBM crowdfunding. The program has received about $300,000 in seed money from the company. Twenty projects have been successfully funded so far, costing between $10,000 and $30,000 on average. Successful projects are typically apps and software that can increase office efficiency. A note-taking tool called Blink, for example, was successfully funded because it’s useful during conference calls, Rooney says.

This corporate crowdfunding model builds upon both the classic suggestion box and more modern initiatives like Dell’s IdeaStorm platform, through which customers can present, vote and comment on ideas they’d like to see Dell implement. The crowdfunding model, though, allows participants to express a wider range of interest than just a binary vote. “This is almost a form of monetized voting,” says Gordon Burtch, a professor of information and decision sciences at the University of Minnesota who studies crowdfunding. “I can express my intensity of preference for the idea by putting in $100 rather than $10 compared to somebody else.”

IBM plans to expand the use of iFundIT to more employees in 2014 and create social and mobile applications to make the program more engaging. The platform could eventually be packaged and sold to other companies , too. Some of IBM’s corporate products, like the social network software Connections, begin as internal tools to boost the company’s own efficiency.

It’s unclear how quickly other firms will adopt similar models, Burch says. There’s a high perceived risk in giving everyday employees control over limited company dollars. Trusting the crowd isn’t necessarily a natural fit for extremely hierarchical office environments. “It’s sort of a complete mental shift in terms of how they’re allocating their money,” Burtch says. “Traditionally they would have control over their money and dictate what happens next, but now they’re handing the money out and trusting that the employees know what they’re doing.”

(MORE: Why the Next Hit Videogame May Be Crowdfunded)

Still, If IBM’s model spreads (and Burtch believes it will), it could make it easier for low-level employees to have their ideas heard in the workplace. And employers might benefit by having a more engaged workforce. “It gives employees more voice in what that work environment looks like,” Rooney says. “It not only changes the nature of the work, it changes a bit of the relationship that employees feel with IBM.”
Read more: Internal Crowdfunding Mimics Kickstarter Within Companies | TIME.com

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Crowdfunding : une fonderie lance un appel aux dons pour éviter la faillite

Publié le                 31/01/2014             par Charles Cohen       

        C’est un véritable appel à l’aide. Piégée par un client peu scrupuleux qui ne lui a pas rémunéré un gros chantier, une entreprise familiale, au bord de la faillite, fait appel à vos dons, via une plateforme de crowdfunding. Retour sur cette opération coup de poing au caractère 100 % innovant.    

Crowdfunding : une fonderie lance un appel aux dons pour éviter la faillite

Récolter 102 000 euros en cinq jours ou mettre la clé sous la porte. C’est la course contre la montre que doit relever la fonderie Correia, basée en Saône-et-Loire. Et ce, en usant d’une méthode particulièrement originale : faire appel à la générosité du public en s’appuyant sur Ulule, une plateforme de crowdfunding (lire l’encadré en fin d’article). Il faut dire que l’histoire tragique qui vient de frapper cette TPE, spécialisée dans la réalisation de pièces en alliage d’aluminium, a de quoi en émouvoir plus d’un.

Félicitée, mais… non payée !

Ses ennuis ont commencé au printemps 2013, quand elle a été démarchée par la société Quinette Gallay, située en Seine-Saint-Denis, pour réaliser plus de 8 400 accoudoirs pour les sièges VIP du stade Allianz Riviera à Nice. A la livraison, l’entreprise familiale reçoit des félicitations pour son travail irréprochable. Félicitée, mais… non payée ! Ainsi, plus de 102 000 euros sont aujourd’hui encore dans la nature, le sous-traitant étant en redressement judiciaire depuis le 30 décembre 2013. Résultat : ce projet lucratif, qui représentait les deux tiers du chiffre d’affaires annuel de la société, s’est transformé en piège mortel.

Décidée à conjurer le sort, la fonderie qui a vu le jour il y a près de 25 ans, a donc lancé cette semaine un appel au public, pour récolter des dons. Vous avez jusqu’à lundi pour participer à son sauvetage, en donnant 5 euros minimum. En échange, vous serez gratifié d’un e-mail de remerciement. Et pour ceux qui souhaiteraient donner 300 euros ou plus, c’est un bel objet souvenir fabriqué par la fonderie elle-même qui vous sera spécialement envoyé.

Zoom L’appel aux dons : ce que dit la loi Faire appel aux dons pour renflouer ses caisses, oui c’est possible, même pour une entreprise privée. ” Une condition s’impose pour qu’une société puisse lancer une telle campagne : celle-ci doit correspondre à l’objet social de l’entreprise, autrement dit, être en cohérence avec ses activités et ce, dans la limite de son intérêt social “, détaille Pierre François, avocat associé chez Pinsent Parsons Paris, en rappelant qu’en l’espèce, ” cet appel au public est en totale conformité avec la loi, puisqu’il vise à assurer la pérennité de l’entreprise “. L’originalité de la démarche réside surtout ailleurs : ” elle repose sur le fait que la fonderie ait fait appel à une plateforme de crowdfunding pour se tirer d’affaire “, note l’avocat. Car si le crowdfunding ne dispose pas encore de régime juridique propre en France comme en Europe, la démarche se caractérise, de facto, par le recours via une plateforme web, au micro-crédit ou au crowdinvestiment pour financer des projets innovants portés par des start-up. ” Le don peut, certes, faire partie des usages d’un tel système, mais le caractère innovant d’une telle campagne est bien que pour la première fois peut-être, ce n’est pas une entreprise en démarrage qui en est l’initiatrice, mais bien une société déjà existante, née en 1980″, conclut Pierre François. De quoi inspirer d’autres patrons d’entreprises familiales en difficulté.
 
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The secret to having a successful paywall around your news is simple — it’s about community

Gigaom

Everyone likes to point to the New York Times as the model for a news outlet with a successful paywall or online-subscription model, but as the authors of Columbia University’s report on “Post-industrial Journalism” noted last year, there is only one New York Times — just as there is only one Wall Street Journal. The only real lesson that these publishers have to teach other news outlets when it comes to paywalls is: “Too bad you aren’t the New York Times or the Wall Street Journal.”

Among the smaller players, however, some interesting lessons are emerging about what makes a subscription model work. For me at least, one of the most compelling is that your ability to build and maintain a strong connection to your community is crucial — and the example of Holland’s massively successful crowdfunded news site De Correspondent is a case in point.

Just to…

View original post 744 more words

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Impact Crowdfunding – Good Deeds In A Wicked World

1/22/2014

One of the trends in the burgeoning United Kingdom crowdfunding market has been the arrival of specialist platforms focusing on ventures delivering social, environmental or scientific benefits.

The emerging players include Abundance Generation, which has so far facilitated the funding of five renewable energy projects within the UK. On this platform, investors commit cash via 20-25 year transferrable debentures (debt instruments) and these can be bought and sold via the site.

Meanwhile, equity crowdfunding platform Crowdmission.com specialises in ventures offering an “an obvious benefit to society, health or the environment.” Or to put it another way, businesses that make a difference. Once again, green energy is a major theme but the remit runs to scientific projects and businesses supporting charitable activity.

In some cases, the line is blurred between Kickstarter-style donations-based crowdfunding and more commercial models. For instance, Buzzbnk.org – which supports a range of socially beneficial projects – is primarily a donations platform, but businesses or projects can also raise funding from the community via repayable loans.

Crowdmission.com entrepreneur Karen Darby believes there is a real appetite for investment opportunities that combine the potential of a return with involvement in a project that will deliver beneficial outcomes. “I think what we’re seeing is a new generation of entrepreneurs who are interested in starting businesses that will have a social impact but they also want to be able to benefit personally. Equally, I believe there are investors who want to become involved with companies delivering a social good but who want to see a return.”

Darby has a certain amount of form in this area. In 2003 she set up utilities price comparison service Simply Switch with a remit to establish call centres in one of Britain’s most deprived areas.  Backed by ‘impact’ fund manager Bridges Community Ventures, the business created 100 jobs and was ultimately sold to Daily Mail newspaper group for £22m.

As she sees it, Simply Switch ticked two important boxes. First and foremost it made a difference by creating jobs where they were needed most, but it also produced a 22 fold return for its investors. It’s a principle she believes can equally be applied to the Crowdfunding model.

The United Kingdom already has a flourishing ‘social enterprise’ sector, which according to the government’s Small Business Survey carried out  in 2012 embraces around 70,000 businesses, contributing more than £18bn to the economy. Social Enterprises, by strict definition, are operated on commercial lines but crucially their profits are reinvested rather than being returned to investors. Equally when social enterprises are sold there is no cash-generating exit event for the founder. “A lot of entrepreneurs are disillusioned by that model,” adds Darby. “They want to be able to benefit from the work they’ve done.”

However, as she acknowledges, there potential tensions in creating a business with a social mission that is also intended to deliver returns, not least when the entrepreneur exits. “We didn’t have a mission lock on Simply Switch,” she recalls. Without a mission lock, when a business the new owners aren’t bound by the original remit.  However, this can be built into sale agreements.

For would-be investors or lenders, the presence of sites such as Crowdmission and Abundance Energy provide a rapid way to tap into projects that are of personal interest. But what about the companies? Why go to a relatively small – if ambitious platform – when well established players such as Crowdcube or Funding Circle are also open to, say, green-technology or bio-science enterprises?

Darby says it’s partly about hooking up with investors who are sympathetic to the vision and potentially also prepared to go in for the long-haul before seeing any return. “If you have investors who are not entirely motivated by financial gain, they are likely to be more patient,” says Darby.

From one perspective, crowdfunding sites that set out to back ‘impact’ business while also offering a return are a natural extension of donations platforms but with the added piquancy of a potential return. With further growth expected in the equity and debt crowdfunding market in 2014, it will be interesting to see if these specialist operators can succeed in carving out a niche.

 

Source : Forbes

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Le réseau de BA Investessor investit dans une plateforme de crowdfunding

28 janvier 2014 par Louis Carle dans Business Angels

investessor welikestartup

Une des 4 startups à découvrir le weekend dernier, WeLikeStartup vient d’annoncer avoir cédé 10% de son capital au réseau de business angels Investessor. Une participation qui devrait permettre à la startup de s’affirmer sur le marché concurrentiel des plateformes de financement de startups.

WeLikeStartup est une nouvelle plateforme de crowdfunding créée par une équipe reconnue d’entrepreneurs et de professionnels du financement. A ce titre, elle apporte aux startups leurs premiers financements via deux options: pré-vente ou levée de fonds en capital. WeLikeStartup propose aux investisseurs de soutenir l’entrepreneuriat et la création d’emplois en France, tout en leur apportant des services adaptés à leurs préoccupations de sécurité et de liquidité.

valeur

Le premier réseau de business angels en France, Investessor, annonce sa prise de participation dans la startup estimant que le “financement participatif représente une évolution importante des modalités de financement et une opportunité de développement et de services complémentaires à apporter tant aux startups qu’à ses membres Business Angels“. Une première pour un réseau de business angels qui souhaite ainsi se positionner sur cette nouvelle forme de financement de startups et qui voit déjà ses futurs investissements passer par la plateforme.

Crédit Photo: Shutterstock – Igor Kisselev

Source : Maddyness