NGO Regenerative Finance: Housing & Ocean Conservation

Overview

This case study illustrates how an NGO can simultaneously support affordable housing and ocean conservation by leveraging regenerative finance models.

Project Focus

Affordable Housing

Construct solar-powered, energy-efficient homes that reduce utility costs and generate ongoing savings.

Ocean Conservation

Invest in marine protected areas or sustainable fishing practices to generate blue carbon credits.

How Regenerative Finance Works

Tokenize both the housing developments and the environmental initiatives. Split proceeds from token sales 50/50 between the two sectors to balance impact.

Revenue and Reinvestment

Savings from energy-efficient housing are reinvested into ocean initiatives.

Revenue from carbon credits is used to fund new housing projects.

Impact and Benefits

• Delivers stable, sustainable housing to underserved families.
• Revives marine ecosystems through conservation efforts.
• Appeals to impact investors seeking measurable, dual-purpose returns.
• Empowers local communities to co-manage and benefit from the initiatives.

Risk Management

• Diversify projects to reduce exposure to market volatility.
• Maintain healthy loan-to-value ratios to prevent forced asset sales.
• Ensure compliance with both environmental and financial regulations in every jurisdiction.

Example Scenario

A $1M token sale allocates $500,000 to housing and $500,000 to ocean conservation. These investments generate approximately $90,000 annually to reinvest in future projects.

Conclusion

Combining housing and ocean initiatives under a regenerative finance model creates a self-sustaining loop of social and environmental impact.