Swapping money and Contributory Funding business model

 Swapping money and Contributory Funding Business model:

1.

Last month my salary was delayed. I was much upset because I had some credit shopping in hope of salary. I also spend my cash in useful family functions. At the end of the month when I heard the news that the salary will be delayed, I astonished. So, I thought of several possible ways to gain trust of the creditors to pay them in time. I asked several friends to lend me some money for a week. All was in vain. At the end of the day when I was to go to bed my mobile ranged. My maternal uncle called me and he suggested to give me some money for my short term use and to return him on his need. I at once accepted his offer/request and asked his permission to spend this money for the time being. After I got my  salary I returned his amount in the same way he has given me. There was no loss for him nor profit. But I got a lot of help and profit in the sense that my financial wheel did not stopped. What is the purpose of this story? 

Clearly, I call it Swapping Contributory Funding (SCF). This type of business can be applied in short terms and risk management in businesses where the parties have some extra money for a period to be swapped or lended to other  party for a coming period to be returned. This type of business can be applied in third word countries in equality basis for long term agreements and dividing in small fiscal periods. Thus a country having dire need in summer for some funding should get loan from a country who do not have scarcity in summer. Rather, put it another way X country needs in July S amount to buy wheat for it's inhabitants.   Another country Y needs the same S amount in Feb. Country X has plenty of funds in Feb but is  in dire need in July. Similarly, country Y has plenty of funds in July but is in dire need of in Feb. Both the countries are IDEAL for Swapping Contributory Funding (SCF) model of business; which is a welfare funding model helping the humans without loss.

If the business agree, a stable currency can be negotiated among the businesses. If not a standard food item should be used instead of currency to have a stable business. Some companies also can help each other by applying this approach according to their needs. A seed company have a peak period in which it invests money and a peak period of returns. A garment company have a different peak period of funds investment and different peak period of returns. This difference of time period in peak investment and peak returns is the key to apply SCF model of business. 

Note: Peak investment period is that in which a company spend much of it's resources to buy raw material or items for future sale.

2. 

Another model of contributory funding: Business without having assets:

 This is not swapping money model but rather it is some mutual fund model. For example, Mr. Jan has a small number of friends working in the construction sites. He combined his friends in a teamwork, and assigned a contract to this small company. The persons in the small company will get their share after completing the project/contract  according to their skills.This type of company do not need investment at all.

Another example is: Miss Saba is working in a medicine company packing the medicines. Ten other girls also have the same job. Miss Saba and the ten other girls decided to have one fourth of their salaries i.e, X amount to a mutual fund for starting their own small scale business. This is a pure contributory fund model which is much useful for the people and business having low incoms.