How to start a business when you have nothing ? It is almost impossible.
Microcredit has been invented to help people to start a small business in India or in Africa.
A good micro business today is to make video on D.tube
To start a video business you need a smartphone, an internet connection an some DTC (Dtube coin)
So here is what could be a Peer2Peer microlending program
Volunteer SEEDS citizens with a « high » income can make a microloan in DTC to a SEEDS citizen with no or very limited incomes.
This microloan can take several types. Here is an example, but we can build many different process :
Christophe is investing in 110 DTC, about $25 today, on 2,2, 2022.
Christophe lend 55 DTC to a borrower, let’s call him Kotieno. And keap 55 DTC on his own account.
By accepteing the loan of 55 DTC, the borrower will accept to post a 3 min video on D.tube each week for 8 weeks.
According to the D.tube process, in 1 week, Kotieno will produce 55 x 7 x24 = 9 240 Voting Power. All his VP (Voting Power) is used to vote for his own video.
So Kotieno will earn some DTC each week.
The subject of the videos can be anything, or at the request of the lender or he just has to tell what he is doing and what he is expecting to do next week to develop his business.
Because other member of the community can also vote for Kotieno’s video, it is difficult to predict how much Kotieno will earn the first week. Because the D.Tube process is incremential, the Kotieno’s income will raise each week, for 8 weeks.
Of course the lender is also welcome to post videos to explain why he likes microcredit, D.tube, SEEDS and what he is expecting from the development of blockchain activities for his organization.
After the 8 weeks, the lender and the borrower will compute how much they have each earn during these 2 months. The lender will decide an amount to pay back, it can range from 0 to 55 DTC.
After paying back the lender, the borrower will be left with his income from the first 2 months and can continue to develop his video business by himself.
At this time, he can cash out his earnings or keep them to increase his future income.
After this period, the lender can stop to lend or can start another microloan with another borrower or with the same one.
To start, this microcredit business need a list of lenders, including the amount of DTC they agree to lend and a list of borrowers.
If you agree to invest 110 DTC and to loan 55 DTC to someone, you can reply to this post ( you will immediatly earn 30 cts of $ in Hive token, because I will upvote your reply)
Each lunar cycle, I will post a new article about this new kind of microcredit and people can reply to indicate how much they can lend or what they want to borrow.
Dtube is a great opportunity for developping microcredit, mentoring and to produce incomes for the SEEDS members or any members from other communities.
This process could be greatly improved if a treasory of a community is invested in DTC.
For example, 
Procuding a CLEANPLANET video during the lending period is an excellent solution for the borrower to pay back his loan.
Because D.tube automatically create a Hive post with your Hive account (if you have a Hive account), incomes of borrowers are also improved by the earnings on Hive.
All suggestions to improve this idea are welcome.
https://joinseeds.earth
