You will see if we put $500k monthly, in one year we would have profits for $3 million, those $3 million can be used as credits, own uses, or grow the business even more. This is a simple example, but it just proves my point that together we can grow money faster, the next link shows how much money you would make alone
So I understand that members of the network will pay a monthly fees to create a pool of funds which can be used for credits and earn interest income! That's exactly how cooperative credit societies work in my country. Especially in those areas where banking service has not yet reached! Apart from credit, what other businesses you are proposing to make profit for the group?
I understand the investment decision will be made through voting system but who will control the collected funds?
I am writing an Ethereum contract, which will take care of the membership process. Funds are stored on the decentralized network, which takes care of the balance sheet. Voting is always so problematic because then you start to have groups inside the network who wants to control others in the network. Maybe more like Kick Starter or something in that.
But again the network will build new features and change with time.