The idea for Finobra started while I was working at the World Bank in Washington, DC. I thought there was a place for a small business that did similar work at just a different scale. The lack of available capital investment for small business entrepreneurs, especially in developing countries, was a concern I wanted to address.
At the other end of the investment relationship, investors had a very detached connection to the companies they invested in. Most small investors are not able to get close to their investments. When focusing on returns only, it makes sense when investing relatively small amounts of money to buy index or mutual funds. They learn the lessons of diversification and the poor performance of actively managed funds. This is a very reasonable behavior adaptation given the modern stock market environment. But then the sense of ownership and participation in the investments is lost. Most investors have no idea what they actually own. This is another concern I wanted to address.