Social banking in post-war reconstruction

Deep economic crises caused by wars, epi­demics, earthquakes and other cataclysms re­quire the creation of an effective financial mechanism for the recovery of the economy as a whole, as well as private households and indi­vidual businesses in particular. Today, a scien­tific search for the formation of such financial recovery systems is being carried out. This also applies to the effective mechanism for restoring the property of citizens and their private enter­prises. For Ukraine, it is necessary to form a mechanism for the reconstruction of private pro­perty as soon as possible. Therefore, the purpose of the article is to determine the main problems and trends of modern micro-financing of house­holds and private businesses, as well as to build an understanding of the architecture of social ban­king as a tool for financing their recovery after the war and other socio-natural disasters. To achieve it, general scientific methods of cognition are applied: analysis and synthesis, induction, deduction, comparison, historical, systemic app­roach and generalization. The war in Ukraine, epidemics, earthquakes and other cataclysms require the creation of a special mechanism for restoring households. This mechanism should both take into account the financial capabilities of the recipients of funds for at least partial return, and create guarantees for investors regarding the targeted and rational use of their donations. Banks and non-bank financial institutions can be­come such a "financial bridge" based on a modi­fied model of microfinancing, which can be called a model of "social banking of recovery". It has been established that the model of "social ban­king for recovery" can be implemented on the basis of block chain: investors (social stakehol­ders) – banks (managers of recovery funds) – reci­pients (households, volunteer organizations, etc.) – controllers. An important role is assigned to banks, which calibrate the recipients of funds depending on their financial potential, both for making decisions on granting grants or quasi-loans with partial repayment, and for issuing standard loans with a low interest rate.