Community (Consumer) (Public) Capital

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.