Comprendre · Pourquoi Semilla
Douze raisons, en quatre temps : pour soi, avec les autres, pour le territoire, pour les générations.
01 · Pour soi
Placed in the usual channels, savings finance industries that exhaust people and territories, and rarely what is fair.
In Semilla, they finance real organizations, the ones banks no longer finance, from the farm to housing.
02 · Pour soi
Opaque products, fees discovered after the fact, a value hanging on other people's speculation: we often sign without understanding.
In Semilla, every agreement, every payment, every issuance is time-stamped in a register that anyone can check, and nothing in it changes without leaving a trace.
03 · Pour soi
The real economy seems reserved for big capital and insiders.
In Semilla, three doors open, depending on your horizon: the Index, to hold a share of the value created by the whole network; organizations, to invest directly in the ones you choose; the bond fund, to lend to a common fund. Each one is explained before it opens.
04 · Pour soi
We place our savings piece by piece, without seeing the whole, as if what they earn and what they bring to life around us had to exclude each other.
In Semilla, everyone builds their own holdings, from the Index to the organizations they choose, and sees in a single view what they earn and what they help grow.
05 · Avec les autres
Waiting for laws to change and for governments to rebalance a country leaves everyone alone in front of anonymous platforms.
In Semilla, you join on the invitation of a member, who stays by your side, and everyone acts at their own scale for the world they want to see. Alone we go fast; together we go further.
06 · Avec les autres
Leading an organization alone is possible, but it is very hard: every decision, every doubt, every door to open.
In Semilla, the organization joins a network of members and organizations, and is accompanied so that, as it grows, it stays true to what it wants to be.
07 · Pour le territoire
The baker, the farmer, the craftsman, the entrepreneur create real wealth; interest and distant investments take most of it.
In Semilla, the value created by organizations circulates: it returns to them, to the people who take part in them, and to their territory.
08 · Pour le territoire
The model that exhausts those who create wealth is not a law of nature: these are rules written by people.
Semilla does not claim to reform the world system, nor to wait for institutions to do it. It writes other rules and demonstrates them on one territory, Costa Rica.
09 · Pour le territoire
New organizations depend on bank credit, which imposes its conditions and weighs down what they create.
In Semilla, they are financed differently: by members who invest in them directly, and by the bond fund.
10 · Pour le territoire
Caring for yourself, finding a home, getting around, having light, learning: before you can choose your life, you have to pay for it, and everyone wears themselves out alone.
In Semilla, the organizations of these five essential functions connect and strengthen one another, so that the strength of the group makes the essentials easier to reach.
11 · Pour les générations à venir
The dominant economy thinks in quarters, and leaves to those who follow what it has exhausted.
In Semilla, every decision is weighed by what it makes possible for seven generations, and the purpose stays apart from governance so that it is not lost along the way.
12 · Pour les générations à venir
A good idea often stays where it was born, for lack of a model to follow.
Semilla is built like a seed: what works in Costa Rica must be able to be sown in other territories, with their own organizations.
No one chooses for us what we sow. In Semilla, what we sow we will reap: in our organizations, on our land, for the generations to come.