Cofinancing and impact-based crowdlending

Structural co-financing involves pooling resources from different Stiemer stakeholders and linking them to an appropriate governance structure. We are exploring whether pooled resources can lead to a more systemic approach on the ground so that the Stiemer Valley project accelerates and fully delivers its ecosystem services.

The impact-based crowdlending financing concept consists of merging 2 sub-concepts; impact financing and crowdlending (a form of crowdfunding). The impact financing concept involves repaying interest to investors based on the result, or impact, achieved. An estimate of the results is made in advance and the 'return' (or interest) is determined on that basis. The better the result, or the more impact there is, the higher the interest repaid. This is coupled with crowdlending, to involve citizens and local businesses in the redevelopment of their valley. With the concept of impact-based crowdlending, we want to encourage private partners to participate in the Stiemer story in two ways; by contributing resources and by taking actions on their own property. By contributing resources, more can be realised in the public domain and by taking action on their own property, such as collecting water, letting it infiltrate or buffering it, the impact on the valley is enhanced, which in turn will result in a higher return on the invested funds.