Consumer (Community) (Public) Capital is a prepayment for goods and services. The return on investment is the discount given when the consumer buys some of the specified goods and services with the prepayment.
- Consumer Capital has fixed discounts, and the prepayments are transferrable.
- Consumers must redeem Consumer Capital at fixed times.
- If there are no sales to redeem the Capital, the business using the capital reinvests at the current discount rate.
- The value of the Capital invested adjusts with the Consumer Price Inflation Rate.
- Consumer Capital is a commodity and is not a financial product. It can be bought and sold like any other commodity.
- Redeemed Capital still exists in the business and passes to the buyer as future repayments.
- Consumer Capital can co-exist with ownership Capital but takes precedence over Ownership Capital.
- Consumer Capital has governing board representation.
- Consumers organise themselves into groups so that all in the group share the discounts and all accumulate Consumer Capital when they pay for goods and services.
- Consumer Capital fits closely with the objectives and operations of a Commons.
- Consumer Capital is the minimum cost Capital and typically finances twice the investment as Ownership Capital.
