Written by an industry pioneer who has hands-on experience in the brave new world of peer-to-peer lending and equity crowdfunding, this book serves as a resource for investors and entrepreneurs alike and investigates how these alternative mechanisms will increase the financial and operational capacity of borrowers, lenders, buyers, and sellers in the private markets. More than 60 governments across the globe have established financial inclusion as a policy priority and are vying for access to and use of financial services by households and firms to boost economic growth. A thought leader on securities-based crowdfunding, author Kim Wales explores how women and the millennial generation, the world's largest groups of people, can influence "crowd" direct investment, economic freedom, and economic growth. The book provides building blocks to instruct investors and entrepreneurs about how to leverage social networks and supplies tools to help retail investors-"the crowd"-to understand the language, risks, and rewards of this type of investment. Providing an indispensable resource for investors and entrepreneurs, Peer-to-Peer Lending and Equity Crowdfunding summarizes past theory as well as current schools of thought related to capital formation and economic growth, explains why creating a secondary market for private placement offerings is essential to stimulating market liquidity, and documents how public-private partnerships using digital finance will enhance financial inclusion and positively impact investing. The book not only describes how crowdfunding works but also explains investment approaches, secondary markets, governance and compliance, transparency, and risk models that are necessary for investors to make informed decisions. Describes the inherent value in democratization of capital and financial inclusion using peer-to-peer credit and equity crowdfunding that can assist private investors, banks, small businesses, and pension fund managers with market participation Documents the necessity for fostering transparency, enhancing risk management, and establishing a secondary market to increase distribution and liquidity Explains how to raise capital, invest, and make a social justice impact using digital finance Highlights how social media connections influence the capital-raising process

This book engages the globally pressing question of how to live and work with the haunting power of the past in the aftermath of mass violence. It brings together a collection of interdisciplinary contributions to reflect on the haunting of post-conflict memory from the perspective of diverse country case studies including South Africa, Rwanda, Zimbabwe, Northern Ireland, North and South Korea, Palestine and Israel, America and Australia. Contributions offer theoretical, empirical and practical insights on the nature of historical trauma and practices of collective healing and repair that include embodied, artistic and culturally relevant forms of wisdom for dealing with the past. While this question has traditionally been explored through the lens of trauma studies in relation to the post-Holocaust experience, this book provides new understandings from a variety of different historical contexts and disciplinary perspectives. Its chapters draw on, challenge and expand the trauma concept to propose more contextually relevant frameworks for transforming haunted memory in the aftermath of historical trauma.

Transitional justice studies typically focuses on how nations remember, face and deal with histories of past violence. This book, however, shifts the frame from national discourses of transitional justice onto local memory actors who attempt to engage with these broader systems of meaning from below. The case study is based on the memory struggles of individuals and groups who are attempting to gain access to the discourses and benefits associated with dominant memory identities of 'victim' and 'veteran' in the context of post-transition South Africa. They share a common history of squatter resistance in the Western Cape in the 1980s and a common struggle for inclusion in dominant memory frameworks. The main theme of this book is the politics of memory, as it relates to the conversation between national and local memory. Integrated within this theme is the further theme of alternative histories and counter-memories of struggle from below. In focusing on counter memories of violence and transition this book aims to tell a different version of South African liberation history in relation to the dominant narrative. It analyses local memory actors' attempts to bring their lived histories into conversation with national discourses of reconciliation and the national liberation struggle. In doing so it unpacks a memory paradox occurring within these narratives, which highlights the politics of inclusion and exclusion within the frames of transitional justice knowledge. On the one hand this alternate story exposes the paradox between local and national memory while on the other hand it brings into focus the local experience of the intersection between international transitional justice discourses and national transition politics. This book will be of local and international interest to scholars and students in the field of transitional justice, memory politics, national liberation struggle and South African historiography. It will also be of interest to a broader South Africa public, as it offers a deeper understanding of South Africa's history, which challenges taken for granted transitional justice frames of knowledge.

This book engages the globally pressing question of how to live and work with the haunting power of the past in the aftermath of mass violence. It brings together a collection of interdisciplinary contributions to reflect on the haunting of post-conflict memory from the perspective of diverse country case studies including South Africa, Rwanda, Zimbabwe, Northern Ireland, North and South Korea, Palestine and Israel, America and Australia. Contributions offer theoretical, empirical and practical insights on the nature of historical trauma and practices of collective healing and repair that include embodied, artistic and culturally relevant forms of wisdom for dealing with the past. While this question has traditionally been explored through the lens of trauma studies in relation to the post-Holocaust experience, this book provides new understandings from a variety of different historical contexts and disciplinary perspectives. Its chapters draw on, challenge and expand the trauma concept to propose more contextually relevant frameworks for transforming haunted memory in the aftermath of historical trauma.

Transitional justice studies typically focuses on how nations remember, face and deal with histories of past violence. This book, however, shifts the frame from national discourses of transitional justice onto local memory actors who attempt to engage with these broader systems of meaning from below. The case study is based on the memory struggles of individuals and groups who are attempting to gain access to the discourses and benefits associated with dominant memory identities of 'victim' and 'veteran' in the context of post-transition South Africa. They share a common history of squatter resistance in the Western Cape in the 1980s and a common struggle for inclusion in dominant memory frameworks. The main theme of this book is the politics of memory, as it relates to the conversation between national and local memory. Integrated within this theme is the further theme of alternative histories and counter-memories of struggle from below. In focusing on counter memories of violence and transition this book aims to tell a different version of South African liberation history in relation to the dominant narrative. It analyses local memory actors' attempts to bring their lived histories into conversation with national discourses of reconciliation and the national liberation struggle. In doing so it unpacks a memory paradox occurring within these narratives, which highlights the politics of inclusion and exclusion within the frames of transitional justice knowledge. On the one hand this alternate story exposes the paradox between local and national memory while on the other hand it brings into focus the local experience of the intersection between international transitional justice discourses and national transition politics. This book will be of local and international interest to scholars and students in the field of transitional justice, memory politics, national liberation struggle and South African historiography. It will also be of interest to a broader South Africa public, as it offers a deeper understanding of South Africa's history, which challenges taken for granted transitional justice frames of knowledge.