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Post by batchoy on Apr 9, 2015 14:20:56 GMT
I must admit to being a little disheartened to see such a poorly produced questionnaire. And to think that it originated from students of one of our most prestigious universities! I have to agree with gaspilot, and the points of view expressed so far on this thread. I would have been disappointed if told this questionnaire had been produced by sixth form students. A (hypothetical) crowd lending platform to enable businesses raise funds by offering local lenders loyalty rewards, product discounts.......or have I misunderstood? I live ooop North, and here wages are well below the national average, house prices below 2007 values and falling, unemployment 10% v 6% national average, and the local high street listed as one of the 10 worst in the UK. Investing locally is not an appetising option, not even for a free coffee. Btw, as it is that time of the year, does anyone know what the tax position would be re my free coffee/loyalty rewards? A taxable benefit.
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jonno
Member of DD Central
nil satis nisi optimum
Posts: 2,808 
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Post by jonno on Apr 9, 2015 14:21:43 GMT
I must admit to being a little disheartened to see such a poorly produced questionnaire. And to think that it originated from students of one of our most prestigious universities! I do have to agree with your comments. A lot of the questions need clarification. For example I wouldn't lend to a business even at 20% return if they are a poor credit risk without security! If the university would like help drafting a questionnaire then the best people to help are here on the forum. In that case I presume you rule out Floppy Custards on all counts?
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Post by unicambridge on Apr 9, 2015 14:38:11 GMT
Hi everyone, Thank you for your responses to date. We now have 40 responses so far - the survey responses very encouraging, please keep them coming. Also feel free to post any more qualitative/verbal comments which raises important points that is useful feedback to us. There were a few questions by the forum so far, which I am happy to address: - "Why does gender matter"? - the survey shows a strong bias towards male respondents, 88% of all respondents are male. Breaking down the responses according to male / females show clear differences in risk appetite, willingness to invest and the rewards expected. - "Are freebies taxable"? Only if it is a tradeable asset, e.g. if you lend to a local hairdresser and receive free haircuts in return, it will not be taxed. On the other hand, if you lend to a local chocolatier shop and receive free chocolate bars, it will be taxed. You can read the HRMCs case on Hotel Chocolates issuance is "chocolate bonds" to investors. We will close down the survey within the next few days, last chance to get your opinions heard everyone! The survey link is below: jbs.qualtrics.com/jfe/form/SV_2aGJMrqEC642eWhThank you! |
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Post by betterthanworking on Apr 13, 2015 19:04:53 GMT
Unicambridge: you may be aware of this already, but just in case … Rebuilding Society give a cashback incentive to lenders lending to borrowers within the same postal area. I sense this is relevant to your zone of interest.
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