Social Lending is a smarter, fairer and more human way of doing money. It's like borrowing and lending with your friends and family - except there are thousands of people you can lend and borrow with.

THE INTEREST-FREE SAVINGS AND LOAN SYSTEM JAK has been operating an interest-free savings and loan system since 1970. A bank license was obtained in 1997. Formally JAK is a co-operative bank. We have 33,000 members and our growth is 7 percent per year.

The Institute for Social Banking develops different, individually coordinated university courses in the field of ethical-ecological, socially motivated finance and banking.