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Can Social Dynamics Be Channeled from Offline to Online Communities?: Commitment, Compliance, and Cooperation from Microfinance to Crowdfunding
Abstract
As alternative source of financing, microfinance and crowdfunding organizations are increasingly relying on commitment, compliance and cooperation among individuals, groups, and communities. In considering the extraordinary growth of the market for microfunding and microlending in recent years, this article aims to investigate a number of important questions. Can the conventional rule of social collateral applied to group lending be replicated in online crowdfunding? What are the institutional, social and organizational requirements in order to transpose the social collateral model of solidarity and responsibility to heterogeneous online crowdfunding and microlending platforms? What would be the implications for borrowers and lenders in terms of group compliance, collaboration and cooperation? By highlighting the differences and similarities between microfinance and crowdfunding structures, the article seeks to provide a broad comparative framework for analyzing different patterns of behavior in communities, organizations and networks that engage in crowdfunding and microlending activities.
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