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Covering the crisisCovering the crisis

How to live without money or with very little

Archive of October, 2014

P2P credit platforms


Loans between individuals (also known in English as peer to peer lending, social lending or crowdlending) are offered by individuals to other individuals without the intervention of a traditional financial institution . In many cases they are microcredits, of small amounts, which can range from 300 to 100,000 euros.

In his blog Economía anticrisis , economist Antonio Saez explains what P2P credits are, which were born to connect people who wanted to lend money to others who needed it.
Classify the types of P2P loans, which vary, he says, according to the investor's expectations:

1) Platforms of investors who contribute their funds without expecting anything in return . They support projects as if they were donations.

2) Platforms of investors who expect interest rates similar to banks , for which it is a profitable business.

3) Investment platforms in which, in exchange for money, they expect shares of the financed companies or any other type of reward that they agree to.

For Sáez, "Donations, patronage, profitable investments, everything fits into a system in which entrepreneurs and investors connect to carry out their projects and illusions without losing sight of the fact that in the back of a very restricted financial system Crowfounding and P2P loans, our maxim is also imposed: what are not accounts are stories ".


The Universocroudfunding page has a guide of the main crowdlending portals in Spain:

Comunitae. It is the reference portal for loans between individuals in Spain and to date, more than 4 million have been moved through Comunitae and more than € 350,000 in interest has been generated.

LoanBook. It focuses on investment in Spanish SMEs. They are defined as a marketplace of credits for companies. They also offer advisory services.

Arboribus. Through this website p2p lending individuals can invest in companies of proven solvency and reputation and obtain a higher margins than any bank deposit.

Receptum. In this platform, the borrower at the time of requesting an amount must provide a mortgage guarantee.

Lendico German startup that works in Spain and offers p2p loans for consumption (between € 600 and € 25,000) and where you can invest from € 25.

Zank They offer a place for those investors who seek good returns for their capital and the collection of funds for consumption for those individuals who are looking for money at lower rates than those currently offered by banks.

IsePankur , originating in Estonia, is defined as a social loan company that operates in different European countries.

TopBanco is defined as the first social network that connects people in search of private loans. It is not a microcredit platform to use, but a social network.

Prize for moving by bike or on foot


Ciclogreen is an online platform, which was born last June and rewards for moving by bike or walking. It is a way to promote sustainable mobility practices and actively collaborate in the fight against climate change by reducing CO2 emissions into the atmosphere.


Those who travel by bike or on foot will obtain exclusive discounts for the kilometers traveled by bicycle, walking or running, in a list of establishments and activities detailed on the web. Thus, those who access the portal can register, download one of the two linked applications in the section Win Cycles (Moves or Strava) and associate it with their Ciclogreen profile in order to accumulate points.

If you like to train and compare your brands with others, or simply prefer to use the application only when you move, choose Strava . You will gain cycles with each kilometer and the next day you will be able to see the data of your activities in your profile and choose the reward you prefer.

For each kilometer traveled by bicycle two cycles are gained and walking will be four cycles per kilometer . In addition, they also reward two cycles per kilometer if you play sports and go for a run.

Registering on the page is free.

Sell ​​second-hand items allows you to recover 44% of its value


Saving objects that are no longer needed or used is a custom that is repeated in 91% of Spanish families, who accumulate an average of four objects in disuse that could sell in the second-hand market.

These are data included in a study carried out by the Segundamano.es sales website among its users, which analyzes the economic potential in used objects that Spaniards keep in their homes.

In the last 12 months, the people who chose to sell the items they did not need through this ad portal got an average income of 151 euros , the study says.


With this sale they not only contributed to the collaborative economy, through which they are allowed to reuse objects that can still continue serving other people, but they managed to recover 44% of the investment they made when they bought those new objects.

The head of Estudios de Segundamano.es, Beatriz Toribio, points out that "a great change is taking place in the consumption habits of the Spaniards who are here to stay. For years, the second-hand market has been surrounded by a series of prejudices that are now beginning to disappear, because people are discovering the potential of collaborative consumption, since it allows us to make a smarter, more responsible and rational purchase ".

The objects that we keep more frequently at home are mobile phones that we no longer need, specifically, 42% of users have a terminal that they could sell. Secondly, 32% of the users have unused photo or video cameras, as well as video game consoles or video games . The books and comics that we have already read and the clothes and accessories that we no longer use complete the list of objects that we no longer need and that we accumulate more frequently.

Second collective purchase of energy in the OCU


New increases in electricity, cost overruns in gas, large companies that fail to comply with the rules most favorable to consumers … The Organization of Consumers and Users (OCU) has mobilized against excessive tariffs and has taken a step forward by calling a new collective purchase of energy , just as they did in 2013.

Nearly half a million Spanish homes joined in 2013 to the first campaign I want to beat light , to try to get a reduction in the energy bill . It was in the first collective purchase of energy held in Spain and the undersigned – I did it – got up to 115 euros of light savings per year.


Those responsible for the organization say that with the II collective purchase of energy, they want consumers to group together again to buy energy independently, and also participate as many people as possible.

Any user can participate free of charge and without obligation and they offer personalized information about their consumption, their contracted rate and tips to reduce the bill.

The registration period began on October 1 and will close on the 30th. A day later, on October 31, the power auction will take place. Registration can be done at quieropagarmenosluz.org .

Citizen messaging services


The BonCarry platform allows you to send and receive objects, documents and goods through people who contact each other to perform the service or receive it.

It is a messaging system between users, a collaborative and alternative delivery system , based on the exchange of experiences between users. Through the platform you can establish contact with travelers from all over the world and request their collaboration so that they bring you what you need.

With BonCarry it is possible to know which people around you need something and which outsiders are willing to carry out the transport.


Image of the BonCarry.com website

The experience will be based on mutual trust and on both sides obtaining a benefit. For example, you get what you have asked to be brought to you and, in return, you can pick up the traveler at the airport, show him the city or pay him as you both agree. The conditions of the agreement and the reward are totally private: everything will depend on the relationship of trust that is established and on what both parties define as "just".

Boncarry makes a series of recommendations to service users. For example, ask for things that are easy to transport and / or that do not involve excessive effort for the respective boncarrier .

The availability of people can change for multiple reasons, whether time, health, family … Therefore, the good tone should be maintained if in the framework of a transaction there are situations that lead to changes, such as cancellations, delays …

They also recommend communicating any relevant change and not forgetting that the service is based on goodwill and trust , and comply as strictly as possible agreed to make a transaction, as this can accumulate recommendations and later points for more benefits in advanced services.

Wallapop moves to barter and job offers


Wallapop , the Spanish mobile application for buying and selling second-hand products, has announced new categories that will allow users to offer free products and encourage the exchange of those that they no longer use.

The novelties of the platform do not stop there, they will also incorporate offers of employment and real estate offers of purchase-sale or rental of housing .

Now it has just added the Free and Exchange sections, responding to the demands of users, according to the company's managers, who point out that the search for changes, exchanges and free products in Wallapop has grown rapidly since the launch of the application. .


"Being able to exchange objects and offer free products brings us closer to a collaborative consumption model. The boom of proposals that allow users to realize their desire to find alternatives for a sustainable economy to maximize their resources and, at the same time, give new life to products that they no longer use regularly, is undeniable. " they point.

At the same time, it will launch the Job offers category, where companies or individuals can insert their offers, with a brief description of the available position and the profile that potential candidates must meet and another one of real estate ads, which will include everything related to the purchase-sale or rental of homes.

In this section, the characteristics and photographs of the apartment for sale or room for rent will be notified and both interested parties can establish a first contact through the smartphone. The network allows customers to find the offer that best suits their preferences and filter search results by geographical area.

In addition, as Wallapop bases its use on geolocation, this will facilitate a quicker and more efficient "between you" and individuals, facilitating the management when it comes to teaching and viewing the facilities in person.

At present, Wallapop has three million users , exceeds four million references and moves a daily volume of almost two million euros in transactions.

Stable and inclusive monetary systems


The Spanish social currency movement will hold its third national meeting this month, from October 24 to 26, in Valencia, where the keys to future money and its importance for economic , social and environmental sustainability will be discussed.

This movement is international and diverse and exchangeable currencies coexist with others of mutual credit. While most use traditional payment systems based on paper tickets, or media to record transactions, others have begun to use electronic systems and even mobile devices so that annotations are made in real time.

logoRTVEes Currency exchange

Social and complementary currencies (MSC) are, in the same way as the euro, means of exchange to meet our needs. Bernard Lietaer, world expert in local currencies, who has been invited to the meeting, defines money as "agreement within the community to use something as a means of exchange", which means that the existence of the euro does not prevent us from having other means of exchange for certain uses, say the organizers of the meeting.

The corticoles, Iberia Plus or the ticket restaurant, for example, are also these means of exchange, since with them you can buy a gift, book a flight or feed without having to pay euro, although they are controlled by private companies for their own purposes .

The Meeting will feature the participation of well-known international experts who will present their points of view and experience in the design of stable and inclusive monetary systems. Systems will also be addressed to assess the effectiveness and social return of these initiatives.

In Spain there are currently dozens of experiences of social and complementary currencies, in addition to about 300 time banks . One of the objectives of the meeting, its leaders point out, is to bring these actors together in order to exchange experiences, in addition to strengthening the bonds and fostering solidarity for mutual collaboration.

Services that are paid on time, not with money


Timerepublik is a global community of people who exchange their talents freely and where the currency is not money but time . The objective of this online platform is to allow users to exchange services that are paid on time.

The platform allows its members to freely exchange the necessary services for a specific time. The users provide a service of one hour , they earn the time in their virtual wallet and then they can spend it when they want and with whom, for any other service. Everyone's time has the same value. Registered members can exchange necessary services, but two users do not have to mutually exchange services with each other. Instead, everyone can exchange all their talents, earn and spend units of time.

For example, one can offer another member their experience in planning events and this has talent in interior design, but the first one does not need help from an interior designer, so he will use the hours of time he has gained to get help. in computer programming from a completely different member .

In addition, each user can leave their comments and opinions about the service received, which contributes to increasing the levels of trust among the other members. Exchanges can be made with the members of this platform anywhere in the world and registration is free.

The website was created in 2012 and is present in more than countries like Brazil, the United States, Italy, France, Russia, Denmark, Switzerland or Spain.

Fiare ethical banking extends its presence


Fiare is an ethical, citizen and cooperative banking organization that understands money as an instrument of solidarity and places people at the center of economic and financial decisions. Its main objective is to channel the savings of people and organizations in the service of projects of social and solidarity economy , that is, projects that work for a more just, participatory and inclusive reality.


Fiare Banca Ética is this weekend at the fair of organic products and responsible consumption BioCultura 2014 , which is held from 3 to 5 October in Bilbao, to publicize its vision of finance. Precisely, this month will open in Bilbao the first headquarters of Fiare, an entity that has completed ten years and has 5,000 members in Spain.

This network of people and organizations is also a company that operates in Spain as an agent of Banca Popolare Etica , a credit cooperative present in Italy as a bank, that offers products and services "without losing the lack of profit, cooperative democracy and construction from bottom to top ".

Fiare believes that economic activity is not neutral and that any business decision is also an ethical decision whose consequences favor some and harm others.

This entity works to "transform society towards a more just, participatory and inclusive reality, in addition to creating an instrument in the hands of active citizens who want to recover the management of their savings and direct them towards projects and activities that generate a positive social impact "

The conference in Biocultura, entitled Fiare ethical banking, a real and citizen alternative , will take place on Sunday, the 5th at 6:00 p.m.

The collaborative economy begins to sink in Spain


Interest in the collaborative economy begins to extend to almost all types of public, with a transversal logic, according to a survey conducted this summer by social researchers Luis Miguel Barral (TooMuch, and Xavier Moraño (Target-Empirical, on the degree of knowledge that Spaniards have of the collaborative economy .

Nor is it a phenomenon that is especially attracting the attention of people with more economic constraints. The data indicate that the knowledge and sympathy towards the collaborative economy advances faster among the better educated and higher income audiences .


The results of the survey, conducted among 1,480 Spanish Internet users aged 18 to 65, chosen at random, indicate that:

18% of those interviewed have already heard about the term "collaborative economy or collaborative consumption". They would be just over 3 million people, according to the researchers.
Of these, 1.8 million claim to know what it is. The rest (1.2 million) have heard of the collaborative economy, but are not sure what it is.
The notoriety of the term "collaborative economy or collaborative consumption" advances for all generations, but is somewhat greater among those between 30 and 50 years old. And higher is the higher the level of studies. Also, the higher the personal economic income and the greater the affinity with the Internet.
The words and concepts most used to define the collaborative economy are: share, use vs. property, barter, buying groups, cooperation, technology and Internet.

Of the three most emblematic companies BlaBlaCar is the most notorious . 54% of Spanish Internet users know that this platform exists. It is followed by Uber , a company with less implementation than BlaBlaCar in Spain but which has been news because of the controversy faced by the frontal opposition of European taxi drivers, which explains why about 3 million Spanish Internet users know about it. A proof of Uber's over-sensitivity -say Barral y Moraño- is that it duplicates the knowledge of Airbnb , one of the icons of the collaborative economy.

In relation to what the Government should do with the companies of the collaborative economy such as the ones mentioned -prohibit them, legislate to limit it, legislate so that it grows or not to regulate it-, just over 50% of the respondents still do not have an opinion about it . In the other half, there are a minority of options to prohibit (4.5%) or limit (6.9%), compared to regular to grow (23.2%) or directly non-regular (12.8%).