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Community banking models
Community banking is a non-traditional form of money-lending. Unlike banks or other classic lending institutions, the funds that community banks lend to borrowers are gathered by the local community itself. This tends to mean that the individuals in a neighborhood or group have more control over who is receiving the capital and how that capital is being spent. This practice has existed in some form for centuries; in ancient Egypt, for example, when grain was often used as currency, local granaries would store and distribute the community’s food supply. Since that time, a variety of community banking models have evolved.
==Overview==
Community banking is a form empowerment-based economics which falls under the larger umbrella of micro-finance. Micro-finance as a whole is focused on the entrepreneurship of individuals, generally with a goal of lifting low-income or disadvantaged groups out of poverty and providing the means for them to prosper. A very successful example of micro-finance can be seen in the Grameen Bank.
Although there are many different models of community banking, the goal is always located in the socio-economic growth of communities through the sharing of resources. While this can include the participation of banks or other traditional money-lending institutions, this is not necessarily the case. The specific framework and practices of the community bank depend largely on its location in the world and the culture that has shaped it.
It is thus important to recognize the paramount power of the community in this process to make decisions and control the allocation of funds. Community banking is closely linked to tenants of both social work in general and community organizing in particular, wherein each person is regarded with dignity and seen as a force for change. It is generally initiated and organized by the collective rather than an outside institution (as is the case in more traditional models), and thus reflects the power of individuals in creating social change. However, the sovereignty of the community requires that as professionals enter, they do so from a place of cultural humility. The philosophical foundation of community banking is that the collective knows best, and imposing the views of an outsider onto this system would dismantle the nature of the work.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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