Global fintech and funding innovation ecosystem

Share Now: Your How-to Guide to Getting More and Wasting Less

share save 171 16 - Share Now: Your How-to Guide to Getting More and Wasting Less

Alternative's Journal:  Canada's Environmental Voice | BY Laura McDonald | April issue 2014

sharing made easy 300x280 - Share Now: Your How-to Guide to Getting More and Wasting Less

A sampling of the many ways Canadians are sharing meals, mortgages and everything in between.

Sharing is about maximizing the use of products, services and ideas in order to minimize overall consumption by a community. This principle has a surprising number of applications – people can and do share just about anything. It’s also nothing new; sharing books, movies, equipment and hand-me-downs has been common among Westerners for decades, and many cultures practice the age-old act of sharing as a way of life, not an option.

Shared items and services can be rented, loaned for free or swapped for others. A\J’s cross-Canada sharing directory offers a sampling of the country’s myriad options, with a focus on established organizations and online services. What follows is hardly exhaustive and many informal sharing practices aren’t covered here. We encourage our readers to contribute more essential opportunities and organizations in the comments.


Cooperative banking

Credit unions offer credit cards, online banking, mortgages, investment options and more control over how money is invested than banks do. These member-owned cooperatives operate as democratic, independent branches. There are more than 330 credit unions in Canada, with more than 1,700 locations, which its national trade association lists at Do your research though – many credit unions offer “ethical investing,” but there are no standardized criteria.


Microfinance offers small loans to entrepreneurs who don’t qualify for credit at a bank. Kiva connects the global network of microfinance institutions and borrowers in 73 countries with lenders all over the world, allowing them to help alleviate poverty in increments of $25 or more.

“Canada’s first online peer-to-peer microlending” service has established chapters in Victoria and Okanagan, BC (, and Ottawa has a Community Loan Fund.

Related:  The Sharing Economy (and why our laws need to be updated)

FINCA has offered loans since 1984, accepting donations that fund their informal, locally administered “Village Banks,” rather than facilitating peer-to-peer loans. Similarly, Immigrant Access Fund provides donation-driven microloans to help skilled immigrants get the licensing or training they need to work in their field in Canada.


Nearly 50 Canadian crowdfunding platforms use a wide range of donation, lending and investment models and commission fees to help people raise money for everything from new products to social justice campaigns (see: "Pollinating Resilience"). The National Crowdfunding Association of Canada has an online directory of platforms and funding portals, and the Canada Media Fund hosts a directory relevant to creative projects. Unlike many US-based sites, the well-known
is open to Canadian projects. It uses an all-or-nothing model (wherein crowdfunders must meet their total goal to receive the money) and only funds creative projects with a clear purpose and tangible outcome, like a book or video game.

Niche crowdfunding sites include for Canadian artists and patrons, for amateur athletes, for social change projects and or for non-profits. The “friend-funding” platform allows guests to contribute money to social events so hosts don’t have to pay for everything, and it also facilitates collaborative menu planning.

There’s currently a campaign to establish Canadian green bonds, which would entail a government-backed, arm’s-length fund to support the development of renewable energy infrastructure. Learn more at and

Donorbox - Online donation platform

Or checkout this very popular online donation platform called Donorbox which is rich with features and designed to help non-profits from Churches to politicians easily incorporate donations into their every day practice.

Donorbox home page - Share Now: Your How-to Guide to Getting More and Wasting Less


Regional and online bartering networks create opportunities for people to exchange consumer goods or services and to establish value standards such as “barter dollars” to manage indirect trading. Swapsity facilitates bartering across Canada and holds “swap meets” in Toronto, and there are regional networks such as LETS on Vancouver Island or BarterWorks in Waterloo Region, Ontario. Individuals and businesses have used First Canadian Barter Exchange since the late 1990s, and Barter Biz Canada is another business-to-business network. lists barter offers and requests by province, and also includes home and vehicle exchanges.

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share save 171 16 - Share Now: Your How-to Guide to Getting More and Wasting Less

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