Social enterprises have two ways of getting involved in social finance; either through financial intermediation or through direct finance. They bring lenders and borrowers closer together and develop relational lending based on shared values and reciprocity. Thanks to the transparency principle, lenders can provide additional support to financed projects by means of consumption. Furthermore, complementary currency could be used to reinforce social capital and reciprocity in lending relationships.
Perilleux, A. (2015). When Social Enterprises Engage in Finance: Agents of Change in Lending Relationships, a Belgian Typology. Strategic Change, 24(3), 285-300. https://doi.org/10.1002/jsc.2009 (Original work published 2015)