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تمويل المشروعات

يعتبر تمويل المشروعات هو حجر العثرة و أحد أهم المعوقات الرئيسية التي تقف أمام المبتكرين / المخترعين / أصحاب المشروعات الجديدة أو القائمة و ترغب في النمو ، هذه المشكلة تعتبر أهم معوق أمام أصحاب المشروعات في دول العالم الثالث بصفة عامة و المنطقة العربية بصفة خاصة.

و لحل هذه المشكلة ظهر في الوقت الحالي مع إنتشار الإنترنت نوع جديد من التمويل يسمي التمويل المجتمعي أو التمويل الجماعي , و المصطلح باللغة الإنجليزية هو Crowd funding.

و يعتمد هذا النوع من التمويل علي مشاركة أو تبرع أفراد المجتمع في تمويل مشروع ما يطرحه أحد المواقع الموثوق فيها و يعرف هذا النوع من التمويل طبقاً لويكيبديا كما يلي ::

هو العملية الجماعية والتعاونية, المبنية على الثقة وشبكة العلاقات بين الأفراد الذين يجمعون الأموال والموارد الأخرى سويا, غالباً عبر الإنترنت بهدف دعم جهود مقدمة من افراد أو منظمات أخرى. تتم عملية التمويل الجماعي بهدف دعم العديد من الأهداف منها على سبيل المثال عمليات الإغاثة في حالات الكوارث ، صحافة الشوارع ، دعم الفنانين الذين يحتاجون للدعم من المعجبين, دعم الحملات الإنتخابية ، تمويل الشركات الناشئة ، الأفلام  ، المشاريع الصغيرة و المتناهية الصغر أو إنشاء برامج مجانية.

الملكية الفكرية و مواقع التمويل الجماعي::

من معوقات إقبال أصحاب الإبتكارات و الإختراعات علي المشاركة بمواقع التمويل الجماعي هو خوفهم من سرقة أفكارهم لذا ينصح إيبو – مصر كل من لديه فكرة أو إختراع أن يقوم بتشجيل فكرته بمكتب تسجيل براءات الإختراع و الإبتكار و إن كان فكرة جديدة ذو إستخدام صناعي  فهناك مكتب تسجيل العلامات التجارية و النماذج الصناعية و بذلك تكون قد حميت فكرتك / إبتكارك / إخترك و بعد ذلك تستطيع عرض فكرتك / إختراعك بمواقع التمويل الجماعي و أنت مطمئن فإذا لا قدر الله سرق أحدهم فكرتك تستطيع مقاضأته و أنت مطمئن لأن مستندات تسجيل إختراعك تثبت ملكيتك للإختراع

مميزات و عيوب التمويل الجماعي

المميزات :: يوفر التمويل لأصحاب الأفكار و المشروعات التي لا تلفت نظر المستثمرين الكبار – يوفر زبائن / عملاء للمنتج المزمع إنتاجه – إيجاد مسوقين متطوعين مستعدين لتسويق فكرتك لدي محيط علاقاتهم ، هولاء المسوقين هم المستثمرين أو المتبرعين للمشروع.

العيوب :: الكشف المبكر عن الإبتكار / الإختراع و ما يصاحب ذلك من مخاطرة تعرض الفكرة للسرقة أو التعديل و التطوير عليها بشكل يوثر علي الطلب علي الفكرة .