BANKIER.CO INVITES POTENTIAL REGIONAL NETWORK PARTNERS (RNPs) TO HOLD NEGATIVE CONTROL BY VOTE-RICH A-SHARES - AND BECOME FRANCHISEES OF A COLLABORATIVE VALUE NETWORK (CVN) FOR IMPACT INVESTING IN MARITIME REGIONS.
Bankier.co's Networking focuses on Maritime Regions, because there the Needs of Owners/Enterprisers and Investors are similar - everywhere. Maritime regions have shared interests in assisting each other - for example to face a Hegemony's "Road & Belt Strategy" - by Collaboration between Academia and Maritime Clusters - as well as to help repair damages caused by Destructive Hegemonies with Veto-Power in the UN - and "Rogue States" under their umbrellas.
A neutral financial instrument like a CVN-Approach for Impact Investing can be applied for demanding Challenges such as:
The RNPs and Bankier.co build a Social Enterprise for Impact Investing - along with a Consortium of Alliances / Catalysts.
They choose so-called "Coopetition" to achieve perceived improvements (read: Innovation).
The Alliances / Catalysts invest in an innovative Entrant for Impact Investing; namely, the CVN's shared InvestCo. (Restru-Reorg AS/Ltd.), to hold negative control by vote-rich A-shares.
The RNPs will also hold future negative control by vote-rich A-shares - as well as operational control in concert with Bankier.co, which holds the role of the CVN's Protector.
The overall Purpose of Networking among RNPs in Maritime Regions:
RNPs can offer affordable access to trustees/fiduciaries and independent expertise to SMEs underserved by incumbents of the financial industry
The CRUX is to benefit a. o. SMEs, hereunder family-owned firms, without "Names" in financial markets. RNPs help build a Collaborative Value Network - the Creditas-Initiative - for Capital Partners, who assemble strengths in their own forum - a Protection Club.
They have a right - but not an obligation - to participate in the Protection Club to spread risk and build capacities to facilitate effective carry-through a. o. of viable Pro-Active Restructuring and Reorganization (PARR) and/or raising of intermediate Capital. Look to the Page: "Contact Bankier.co" for more details.
Owners/enterprisers and investors in maritime regions may choose to become Limited Partners by investing in Impact Bonds, which may be convertible in Vote-weak B-shares.
If so, then investors join the ranks of Self-directed Capital Partners.
Look to the Figure on Top of the Page: "Financial Models & Value Creation", which can help explain gradual building of an Impact Investing-initiative - "in a nutshell".
Owners/enterprisers and investors can become Self-directed Capital Partners by investing in vote-weak B-shares of the InvestCo. (Restru-Reorg AS/Ltd.)
As already mentioned above - they have their own forum, a Protection Club, for assembling strengths, spreading risk and building capacities to facilitate effective carry through of capital formation and/or Pro-Active Restructuring and Reorganization (PARR).
More details are available on the Page: "Impact Analyses + Restructuring & Reorganization".
Note: CVN-stakeholders are supported by Endowment for Ethics & Enterprise (EEE).
Look to the optional reading below on Endowment for Ethics & Enterprise (EEE), which focuses on promotion of initiatives/roles/functions....
On formulating-, implementing- and following-up a value proposition – e.g. a purpose for the Impact Investing-activities
A Board of Directors of a Small and Mid-sized Enterprise (SME) or a holding company for owners can achieve effective team production by formulating, practicing and following up a value proposition to the individual client /-user/citizen. Such a value proposition can express a purpose (French: Raison d'Être) for an organization organized as a legal entity.
Bankier.co's Regional Network Partners (RNPs) will always formulate a value proposition to a new peer-to-peer relation after a dialogue. The objective is to make an established relation better prepared to meet the market - e.g. with an initiative, a project or a restructuring. Each RNP may help ready as well as monitor perceived improvements and access to finance - assisted by the Creditas-Initiative's facilitation of impact investing, like convertible subordinated debt - and/or broadcasting of initiatives, needs, etc. There is always brain storming in a peer-to-peer relation - and no hidden agenda.
Trustees are active in peer-to-peer relations based on reciprocity. Each potential principal - e.g. a relation of Bankier.co - may choose to become a stakeholder of the Creditas-Initiative.
And each trustee/fiduciary in a peer-to-peer relation is a partner or associate of a Regional Network Partner (RNP), e.g. Bankierhuset S.T.Evensen & Co LLP (Steco). Look to the Page: "Contact Bankier.co".
A Summing Up:
Needs of owners/enterprisers and investors are similar everywhere – especially in maritime regions.
*) Change…
1) Maritime regions must maintain focus on real financial reform and pro-active innovation (= perceived improvements) with social impact – e.g. by Social Enterprises for Impact Investing – organized as Collaborative Value Networks (CVNs).
2) Transparent deliberative pluralism must be applied based on secularity, gender parity, ecumenism and diversity – as well as organize pro-active governing bodies and economic co-responsibility for empowerment and shared interests.
3) Local- and regional knowledge must be mobilized by access to directors from the outside, independent expertise and competent trustees are vital to sustainable resource management, good governance & change – inspired by the above-mentioned democratic values.
4) Last but not least – maritime regions must collaborate and repair those damaged by destructive hegemonies and rogue states…
**) Education
Learning in other maritime regions by exchange of academics, students and joint R&D-programs as well as vocational training and Case writing – also at university-level – is vital to the real economies of maritime regions – for everything from enterprise and real financial reform of impact investing as well as public management and health care. Learning can be improved - and tuitions can be reduced…
Programs for Talents’ Action Learning – supported by transfer of experience from emeriti of private- and public sector.
“A House of Emeriti” can be vital for those, who can contribute as altruists…
Academia and clusters of maritime regions can reduce corporate development & corporatism in public- and private sector – and foresee pro-actively needed R&D / societal improvements benefiting the atomist (= the individual without influence alone). Academia and clusters of maritime regions should face the threats of destructive hegemonies and rogue states by collaboration on a. o. total defense and cyber security. Damaged maritime regions must be repaired. That is also in the interest of the hinterlands…
The Rationale and Context of Bankier.co's CVN-Initiative for Impact Investing in Maritime Regions
Wanted Alliances/Catalysts will get access to a draft-manuscript in English about the rationale and context of the CVN-initiative, which will be presented in a future book; namely: "Maritime Regions: Align, Browse, Contain, Defend". The verbs in the subtitle represent different strategies - as already mentioned.
The draft book asserts a. o. that damaged maritime regions must be repaired. That will require a neutral financial instrument - open to all concerned - as well as protection and wide measures under UN-auspices. The latter will require UN reforms highlighted in a chapter of the draft manuscript on: "Destructive Hegemonies". The draft manuscript will remain in progress during the scaling-up of the CVN-initiative.
When wanted Alliances/Catalysts have chosen co-opetition to achieve innovation and entered the CVN-initiative by acquiring vote-rich A-shares and exercising negative control from Day 1, then the book “Maritime Regions: Align, Browse, Contain, Defend” is intended for publication by e.g. Xlibris.com and distribution by Amazon.com.
On a Web Decentalization Project by Tim Berners-Lee, the inventor of the World Wide Web, and MIT in Boston (Source: Wikipedia):
"Solid (Social Linked Data) is a web decentralization project, led by Tim Berners-Lee, developed collaboratively at MIT. The project "aims to change the way Web applications work today, resulting in true data ownership as well as improved privacy" by developing a platform for linked-data applications that are completely decentralized and fully under users' control rather than controlled by other entities. The ultimate goal of Solid is to allow users to have full control of their own data, including access control and storage location. To that end, Tim Berners-Lee formed a company called Inrupt to help build a commercial ecosystem to fuel Solid". End of Quote.
OPTIONAL READING on Endowment for Ethics & Enterprise (EEE) - initiated by Bankier.co
An assertion by EEE is that ability by impartiality is about competence, self-insight and independence
Prerequisites:
1. To have the competence to perform work-tasks and tackle challenges satisfactorily;
2. Show understanding of role and suitability through necessary self-insight and integrity;
3. Be independent in relation to other people, interests and roles - including to avoid and prevent possible inside information and collusion / network corruption.
If these prerequisites are met, then trust in a person's integrity and impartiality are built.
EEE promotes initiatives/roles/functions, which are lacking or faulty in a maritime region.
Typically, there is a lack of trustees/fiduciaries and/or a Single-Role Bankier.co, which work at arm's length to e.g. Multi-Role Central Players in financial markets. EEE can offer impartial information. Its briefs focus on the real economy and institutional changes. It can shed light on the situation of Small- and Mid-sized Enterprises (SMEs), hereunder family-owned firms, in maritime regions, where needs of owners and investors are similar everywhere. Most SMEs are neither well-established in- nor known as "Names" in media and financial markets. Therefore, they are underserved by the transaction-fee driven Multi-Role Central Players of financial markets.
Examples of EEE-initiatives/roles/functions are:
Affordable Access to Trustees/Fiduciaries - in the fields of equity financing, ownership and owner governance in maritime regions is vital to SMEs, hereunder family-owned firms - as well as to directors of basic infrastructure activities - because they may need a "Wedge" for separation of the roles in financial markets (Bankier.co), regional trusted contacts for added reach (Bancier.net) and/or a "Bridge" for assembly of capital partners (Creditas.bz);
Regional- and Inter-Regional (Interreg) Seminars - co-arranged by (potential) Regional Network Partners (RNPs) and/or Interreg-franchisees - based on holistic Regional Inter-Modal Transport Analysis (RIMTA) to simulate alternative strategies for effective basic infrastructure and environmental use of land. Indeed, Impact Investing in Regional Basic Infrastructure and Skills can avoid unemployment by pro-active restructuring and job creation.
The Objectives of a Regional- or an Interreg Seminar can be e.g.:
The former can result in "nudging-processes" for betterments. The latter opens up for fragmentation of decision making, which benefits special interests. Look to the EU Directive on viable Pro-Active Reconstruction - and EU-regulation/ legislation for the financial sector on required publishing of information on whether investments are contributing to sustainability - or not - as well as on information, which shall be rendered, when selling financial products.
An Enterpriser-Mart per Language-Zone - for broadcasting needs, initiatives, etc. - and parallel access to expertise for verification and impact analysis. Objective: Mobilizing local- and regional knowledge and other resources - as well as capital - for innovation and job creation;
Construction-Classification - e.g. to grade functional capabilities of different types of buildings/ constructions for a. o. impact investing-purposes.
Remember: Values of constructions and their sites are second only to the Values of Nature, including human competencies;
Social Enterprises for Land Banking - organized as Collaborative Value Networks (CVNs) - can help members of local communities and regions stand up to big corporate players. They can mobilize local- and regional knowledge and capital for perceived improvements - vital to their livelihoods and environmental qualities;
CVNs built on trust - to benefit self-directed users - served by Cyber-secure FINTECH - applying BlockChain Database-/Exchange Technology. Fintech can make CVN-Approaches for Impact Investing both effective and disruptive as alternatives to a Barbarian Establishment of Private Equity;
Impartial impact-analyses of investments should become available to investors. Methodology for measuring- and reporting on intangible investments - as well as results of impact investing - must be improved. In that context - CVN-approaches with access to trustees/fiduciaries and impartial, independent expertise are much needed;
A Director-Link to non-executive board members - and an Institute for the Real-Economy (I-RE).
Objective: Talents’ action learning and parallel transfer of experience from seniors of academia as well as the public- and private sector;
An Insurance Arrangement for SMEs - organized by Public- and Private Cooperation (PPC) for access to liquidity and to cover (parts of) costs related to Pro-Active Restructuring and Reorganization (PARR). Objective: To reduce bankruptcies/losses of receivables - and prevent misuse of resources.
Such an Insurance Arrangement can contribute to effective PARR and Debt Relief-reform - to offer future a better chance. Licensed Debt Collectors should be anxious to participate in improvements & reform - instead of causing more miseries by usury.
Cf. PARR and the EU Directive 2019-1023 concerning Restructuring, Insolvency, Discharge of Debt deliberated on the Page: "Impact Analyses + Restructuring & Reorganization".
Note: Even nations can become exposed to financial players practicing usury to increase their take on investments in- and collections of bad debts. A General Debt Relief-reform is much needed to avoid the resulting miseries. Hopefully UNCITRAL.org in Vienna will manage to deal with such a challenge.
Cf. Chapter 9 in the text book: "S.T.Evensen. 2016. Nordic Model Analyses: Stances on Syndromes vs. Scenarios. Xlibris.com". There a concrete, simple proposal of a Debt Relief Reform is presented.
Bankier.co's Networking focuses on Maritime Regions, because there the Needs of Owners/Enterprisers and Investors are similar - everywhere. Maritime regions have shared interests in assisting each other - for example to face a Hegemony's "Road & Belt Strategy" - by Collaboration between Academia and Maritime Clusters - as well as to help repair damages caused by Destructive Hegemonies with Veto-Power in the UN - and "Rogue States" under their umbrellas.
A neutral financial instrument like a CVN-Approach for Impact Investing can be applied for demanding Challenges such as:
- Needs of relief & development in damaged maritime regions – e.g. to help rebuild Ukraine on the Black Sea - and/or to help recreate the Levant as a Financial- and Trade Center for Mid-East and North Africa;
- To help realize a corridor between the Sea and Jerusalem for the good of both Israel and Palestine – as a Vision for Access to a Global Cultural Heritage Site for all Creeds - and a Resolve for future Peace - on specified prerequisites like UN auspices at all times.
- "Ocean Strategy - Bottom Up - as an Alternative to Corporate Strategy - Top Down";
- "Destructive Hegemonies vs. Collaborative Pluralism by Accountability".
The RNPs and Bankier.co build a Social Enterprise for Impact Investing - along with a Consortium of Alliances / Catalysts.
They choose so-called "Coopetition" to achieve perceived improvements (read: Innovation).
The Alliances / Catalysts invest in an innovative Entrant for Impact Investing; namely, the CVN's shared InvestCo. (Restru-Reorg AS/Ltd.), to hold negative control by vote-rich A-shares.
The RNPs will also hold future negative control by vote-rich A-shares - as well as operational control in concert with Bankier.co, which holds the role of the CVN's Protector.
The overall Purpose of Networking among RNPs in Maritime Regions:
- Develop- and provide Access to impartial Investment-/Merchant Services also to those without "Names" in Media & Markets.
- RNPs - along with Alliances/Catalysts - can build "Ocean Strategy - Bottom Up - instead of Corporate Strategy - Top Down" - benefiting Collaborative Pluralism.
RNPs can offer affordable access to trustees/fiduciaries and independent expertise to SMEs underserved by incumbents of the financial industry
The CRUX is to benefit a. o. SMEs, hereunder family-owned firms, without "Names" in financial markets. RNPs help build a Collaborative Value Network - the Creditas-Initiative - for Capital Partners, who assemble strengths in their own forum - a Protection Club.
They have a right - but not an obligation - to participate in the Protection Club to spread risk and build capacities to facilitate effective carry-through a. o. of viable Pro-Active Restructuring and Reorganization (PARR) and/or raising of intermediate Capital. Look to the Page: "Contact Bankier.co" for more details.
Owners/enterprisers and investors in maritime regions may choose to become Limited Partners by investing in Impact Bonds, which may be convertible in Vote-weak B-shares.
If so, then investors join the ranks of Self-directed Capital Partners.
Look to the Figure on Top of the Page: "Financial Models & Value Creation", which can help explain gradual building of an Impact Investing-initiative - "in a nutshell".
Owners/enterprisers and investors can become Self-directed Capital Partners by investing in vote-weak B-shares of the InvestCo. (Restru-Reorg AS/Ltd.)
As already mentioned above - they have their own forum, a Protection Club, for assembling strengths, spreading risk and building capacities to facilitate effective carry through of capital formation and/or Pro-Active Restructuring and Reorganization (PARR).
More details are available on the Page: "Impact Analyses + Restructuring & Reorganization".
Note: CVN-stakeholders are supported by Endowment for Ethics & Enterprise (EEE).
Look to the optional reading below on Endowment for Ethics & Enterprise (EEE), which focuses on promotion of initiatives/roles/functions....
On formulating-, implementing- and following-up a value proposition – e.g. a purpose for the Impact Investing-activities
A Board of Directors of a Small and Mid-sized Enterprise (SME) or a holding company for owners can achieve effective team production by formulating, practicing and following up a value proposition to the individual client /-user/citizen. Such a value proposition can express a purpose (French: Raison d'Être) for an organization organized as a legal entity.
Bankier.co's Regional Network Partners (RNPs) will always formulate a value proposition to a new peer-to-peer relation after a dialogue. The objective is to make an established relation better prepared to meet the market - e.g. with an initiative, a project or a restructuring. Each RNP may help ready as well as monitor perceived improvements and access to finance - assisted by the Creditas-Initiative's facilitation of impact investing, like convertible subordinated debt - and/or broadcasting of initiatives, needs, etc. There is always brain storming in a peer-to-peer relation - and no hidden agenda.
Trustees are active in peer-to-peer relations based on reciprocity. Each potential principal - e.g. a relation of Bankier.co - may choose to become a stakeholder of the Creditas-Initiative.
And each trustee/fiduciary in a peer-to-peer relation is a partner or associate of a Regional Network Partner (RNP), e.g. Bankierhuset S.T.Evensen & Co LLP (Steco). Look to the Page: "Contact Bankier.co".
A Summing Up:
Needs of owners/enterprisers and investors are similar everywhere – especially in maritime regions.
- Maritime regions are interdependent in most matters – especially in trade & distribution – hereunder Change* and Education**);
- Regional Inter-Modal Transport Analyses (RIMTA) and Independent Impact Analyses (IIA) can be applied for simulation of alternative use of resources to achieve environmental qualities and the best infrastructure by holistic land banking;
- Water stewardship, energy-efficiency, pollution and health – eventually also of rivers and the sea - must be monitored and improved – e.g. by joint-programs based on a general Policy re: Green Pricing of actual use of resources and technical standards - to stimulate- and/or tax.
*) Change…
1) Maritime regions must maintain focus on real financial reform and pro-active innovation (= perceived improvements) with social impact – e.g. by Social Enterprises for Impact Investing – organized as Collaborative Value Networks (CVNs).
2) Transparent deliberative pluralism must be applied based on secularity, gender parity, ecumenism and diversity – as well as organize pro-active governing bodies and economic co-responsibility for empowerment and shared interests.
3) Local- and regional knowledge must be mobilized by access to directors from the outside, independent expertise and competent trustees are vital to sustainable resource management, good governance & change – inspired by the above-mentioned democratic values.
4) Last but not least – maritime regions must collaborate and repair those damaged by destructive hegemonies and rogue states…
**) Education
Learning in other maritime regions by exchange of academics, students and joint R&D-programs as well as vocational training and Case writing – also at university-level – is vital to the real economies of maritime regions – for everything from enterprise and real financial reform of impact investing as well as public management and health care. Learning can be improved - and tuitions can be reduced…
Programs for Talents’ Action Learning – supported by transfer of experience from emeriti of private- and public sector.
“A House of Emeriti” can be vital for those, who can contribute as altruists…
Academia and clusters of maritime regions can reduce corporate development & corporatism in public- and private sector – and foresee pro-actively needed R&D / societal improvements benefiting the atomist (= the individual without influence alone). Academia and clusters of maritime regions should face the threats of destructive hegemonies and rogue states by collaboration on a. o. total defense and cyber security. Damaged maritime regions must be repaired. That is also in the interest of the hinterlands…
The Rationale and Context of Bankier.co's CVN-Initiative for Impact Investing in Maritime Regions
Wanted Alliances/Catalysts will get access to a draft-manuscript in English about the rationale and context of the CVN-initiative, which will be presented in a future book; namely: "Maritime Regions: Align, Browse, Contain, Defend". The verbs in the subtitle represent different strategies - as already mentioned.
The draft book asserts a. o. that damaged maritime regions must be repaired. That will require a neutral financial instrument - open to all concerned - as well as protection and wide measures under UN-auspices. The latter will require UN reforms highlighted in a chapter of the draft manuscript on: "Destructive Hegemonies". The draft manuscript will remain in progress during the scaling-up of the CVN-initiative.
When wanted Alliances/Catalysts have chosen co-opetition to achieve innovation and entered the CVN-initiative by acquiring vote-rich A-shares and exercising negative control from Day 1, then the book “Maritime Regions: Align, Browse, Contain, Defend” is intended for publication by e.g. Xlibris.com and distribution by Amazon.com.
On a Web Decentalization Project by Tim Berners-Lee, the inventor of the World Wide Web, and MIT in Boston (Source: Wikipedia):
"Solid (Social Linked Data) is a web decentralization project, led by Tim Berners-Lee, developed collaboratively at MIT. The project "aims to change the way Web applications work today, resulting in true data ownership as well as improved privacy" by developing a platform for linked-data applications that are completely decentralized and fully under users' control rather than controlled by other entities. The ultimate goal of Solid is to allow users to have full control of their own data, including access control and storage location. To that end, Tim Berners-Lee formed a company called Inrupt to help build a commercial ecosystem to fuel Solid". End of Quote.
OPTIONAL READING on Endowment for Ethics & Enterprise (EEE) - initiated by Bankier.co
An assertion by EEE is that ability by impartiality is about competence, self-insight and independence
Prerequisites:
1. To have the competence to perform work-tasks and tackle challenges satisfactorily;
2. Show understanding of role and suitability through necessary self-insight and integrity;
3. Be independent in relation to other people, interests and roles - including to avoid and prevent possible inside information and collusion / network corruption.
If these prerequisites are met, then trust in a person's integrity and impartiality are built.
EEE promotes initiatives/roles/functions, which are lacking or faulty in a maritime region.
Typically, there is a lack of trustees/fiduciaries and/or a Single-Role Bankier.co, which work at arm's length to e.g. Multi-Role Central Players in financial markets. EEE can offer impartial information. Its briefs focus on the real economy and institutional changes. It can shed light on the situation of Small- and Mid-sized Enterprises (SMEs), hereunder family-owned firms, in maritime regions, where needs of owners and investors are similar everywhere. Most SMEs are neither well-established in- nor known as "Names" in media and financial markets. Therefore, they are underserved by the transaction-fee driven Multi-Role Central Players of financial markets.
Examples of EEE-initiatives/roles/functions are:
Affordable Access to Trustees/Fiduciaries - in the fields of equity financing, ownership and owner governance in maritime regions is vital to SMEs, hereunder family-owned firms - as well as to directors of basic infrastructure activities - because they may need a "Wedge" for separation of the roles in financial markets (Bankier.co), regional trusted contacts for added reach (Bancier.net) and/or a "Bridge" for assembly of capital partners (Creditas.bz);
Regional- and Inter-Regional (Interreg) Seminars - co-arranged by (potential) Regional Network Partners (RNPs) and/or Interreg-franchisees - based on holistic Regional Inter-Modal Transport Analysis (RIMTA) to simulate alternative strategies for effective basic infrastructure and environmental use of land. Indeed, Impact Investing in Regional Basic Infrastructure and Skills can avoid unemployment by pro-active restructuring and job creation.
The Objectives of a Regional- or an Interreg Seminar can be e.g.:
- Building Vision - based on Interreg-planning and business development in coastal networks of maritime regions;
- Search for a regional- and/or local Initiator-Group (I-G) - e.g. to form an Interreg Competency Team;
- Promote contributions to- and participation in Regional Maritime Learning Centers to help save Seas and Oceans;
The former can result in "nudging-processes" for betterments. The latter opens up for fragmentation of decision making, which benefits special interests. Look to the EU Directive on viable Pro-Active Reconstruction - and EU-regulation/ legislation for the financial sector on required publishing of information on whether investments are contributing to sustainability - or not - as well as on information, which shall be rendered, when selling financial products.
An Enterpriser-Mart per Language-Zone - for broadcasting needs, initiatives, etc. - and parallel access to expertise for verification and impact analysis. Objective: Mobilizing local- and regional knowledge and other resources - as well as capital - for innovation and job creation;
Construction-Classification - e.g. to grade functional capabilities of different types of buildings/ constructions for a. o. impact investing-purposes.
Remember: Values of constructions and their sites are second only to the Values of Nature, including human competencies;
Social Enterprises for Land Banking - organized as Collaborative Value Networks (CVNs) - can help members of local communities and regions stand up to big corporate players. They can mobilize local- and regional knowledge and capital for perceived improvements - vital to their livelihoods and environmental qualities;
CVNs built on trust - to benefit self-directed users - served by Cyber-secure FINTECH - applying BlockChain Database-/Exchange Technology. Fintech can make CVN-Approaches for Impact Investing both effective and disruptive as alternatives to a Barbarian Establishment of Private Equity;
Impartial impact-analyses of investments should become available to investors. Methodology for measuring- and reporting on intangible investments - as well as results of impact investing - must be improved. In that context - CVN-approaches with access to trustees/fiduciaries and impartial, independent expertise are much needed;
A Director-Link to non-executive board members - and an Institute for the Real-Economy (I-RE).
Objective: Talents’ action learning and parallel transfer of experience from seniors of academia as well as the public- and private sector;
An Insurance Arrangement for SMEs - organized by Public- and Private Cooperation (PPC) for access to liquidity and to cover (parts of) costs related to Pro-Active Restructuring and Reorganization (PARR). Objective: To reduce bankruptcies/losses of receivables - and prevent misuse of resources.
Such an Insurance Arrangement can contribute to effective PARR and Debt Relief-reform - to offer future a better chance. Licensed Debt Collectors should be anxious to participate in improvements & reform - instead of causing more miseries by usury.
Cf. PARR and the EU Directive 2019-1023 concerning Restructuring, Insolvency, Discharge of Debt deliberated on the Page: "Impact Analyses + Restructuring & Reorganization".
Note: Even nations can become exposed to financial players practicing usury to increase their take on investments in- and collections of bad debts. A General Debt Relief-reform is much needed to avoid the resulting miseries. Hopefully UNCITRAL.org in Vienna will manage to deal with such a challenge.
Cf. Chapter 9 in the text book: "S.T.Evensen. 2016. Nordic Model Analyses: Stances on Syndromes vs. Scenarios. Xlibris.com". There a concrete, simple proposal of a Debt Relief Reform is presented.