A KISOP working paper · the economic engine

Ways to work together

Fund-a-job is one model among several. An economic engine needs many ways for people to combine — including groups who build something together, offer it to their community, and share the profit by a formula they publish. This page redraws Carmen's July 2024 profit-sharing drawings and thinks through the mechanics: how a crew goes from an idea to a living.

KISOP is developing shared tools and support to help people build lasting, locally owned businesses that serve their communities. The economic model brings paid work, local ownership, and shared public resources together.

Starting a business takes time, practical skills, customers, and enough money to cover the early months. KISOP’s proposed support addresses these barriers so that people with limited savings or access to financing have a more practical path to ownership.

Building a locally owned business

People know useful work that needs doing where they live. A local team might organize practical support for caregivers, help neighbors use their information, or operate another service residents need. Shared tools and methods would help each team prepare and run its business.

What the network would provide

Shared operating tools, methods, and resources. Proposed support also includes business preparation and coaching, shared purchasing arrangements, and financing partnerships. The provider, cost, and availability of each service would be stated before anyone commits.

What local owners would keep

Ownership of their business, its assets, and the value of that ownership. Revenue would pay wages, operating expenses, debt obligations, and reserves. Remaining profit would be distributed under the business’s published agreement.

What the community would gain

Useful local services, paid work, and resources other teams can use. Local residents would help identify needs and shape services. Each business would explain who owns it, who makes decisions, and how residents can contribute.

Ownership and profit sharing are separate arrangements. An owner’s rights depend on the business agreement. A contributor’s share of profits may depend on continuing to work in the business. Each team would state those terms clearly.

Status: proposed business support. The site’s tools and experimental software are described in the Build Log. No Solution Centers are open. This page does not announce an available training program, loan, or paid position.

Support local ownership

Support could help people prepare to operate a business, reduce the cost of getting started, and test whether the model produces reliable income and useful services. Each proposal would name the work, the responsible organization, the budget, and the intended benefit.

Preparation and participation

A qualified nonprofit or fiscally sponsored partner could seek grants for business preparation, financial coaching, community outreach, and evaluation. Depending on participants’ needs, a proposal could include childcare during training, transportation, or connections to family services. No such partnership is announced here.

Business financing

Investment or lending could support business working capital and shared operations. A financing proposal would identify the borrower or investee, fees, repayment terms, risks, and ownership consequences. Financing partnerships and any loan-loss reserve remain proposed.

Shared tools and services

Sponsors could fund a defined capability for public use. Customers could pay local teams for services. Each arrangement would state what is funded, what is charged, and what stays available to everyone.

Grants, investments, and service purchases have different terms. A charitable partner would oversee its funds and the work they support. KISOP would disclose fees and responsibilities so funders and participants can see how money reaches the intended work.

Funding and partnership interest → contact us

Applications open soon. The intake service is not connected to this site. Following the link does not send a message or move money.

What we would measure

A business opening is a beginning. A pilot would follow participants over time to learn whether the work supports them and meets a local need.

These are proposed measures. No pilot results are reported here. Participant stories would be shared only with permission, including the decisions people made and the difficulties they encountered.

An engine

The jobs board answers one question: how does a single capability get funded, built, and given to everyone? That loop works, and it stays. But a community does not run on one transaction type. A system with exactly one way to participate is a program. Real economies are plural: some work is one-and-done, some work is a service that must show up every Tuesday, some work is a business five neighbors run for twenty years.

So the system must hold many models of working together — under one constant charter. The charter never moves: what the community funds stays the community's, nobody's data is the product, the books stay open, the middle stays thin. Above that floor, people choose the arrangement that fits the work. In Carmen's Mission notebook the principle is already there, in two lines that belong together:

"Contributions are collective → Compensation is Collective (group effort)."Carmen's Mission notebook, 2024–2025

The family of models the engine starts with answers the same four questions differently: who forms it, where the money enters, who keeps what, and what the commons receives.

The funded jobName a capability, fund it in fractions, a builder is paid, the result is released to everyone forever. Fits: one-and-done tools, translations, registry pages · money in: pledges & sponsors · commons gets: everything
The profit-sharing ventureA crew forms, publishes its split, builds and operates a service, pays itself salaries, and shares the upside by the posted formula. Fits: ongoing services people rely on · money in: season funding + fair charges · commons gets: the core capability
The community-owned centerA physical place, owned one hundred percent by the people who run it — real estate, contracts, workforce. Fits: local, in-person help · money in: mixed free/charged services · commons gets: methods & templates
The maintenance retainerLaws change, languages age. A professional is paid a recurring retainer to keep a page true — verification is the paid work, staleness is marked. Fits: registries, legal pages, translations · money in: retainers (govts, foundations, diasporas) · commons gets: the page, always current
The sponsored capabilityAn institution funds work it wants to exist — its name attaches to what it made possible. Provenance for the sponsor; ownership stays with the community; no exclusivity, ever. Fits: big capabilities with natural champions · money in: sponsorship · commons gets: everything
Models not yet drawnCo-ops, circles, guilds — the template library is open. Any arrangement that passes the tests below can register, publish its formula, and run. Fits: whatever a community invents next · rule: pass the tests, publish the split

The two circles — July 2024

Design examples: The notebook’s 10% administration fee and illustrated profit split are working models. Final fees, ownership rights, the definition of distributable profit, and exit terms would be established in the applicable agreements.

Redrawn from the Funding Models notebook, page 8. One circle is the venture's profit; one circle is the local node's ownership. The relationship between them is the whole philosophy.

Profit 50% reserves & growth Profit-Sharing Pool core team (approved annually) 100% Admin fee 10% (not ownership) Community-owned node franchise model You own: real estate, your contracts, your workforce Revenue − expenses Profit (EBITDA) "Define 'profit' clearly." salaries are expenses — people are paid before profit exists
Page 8, redrawn. Top: half of a venture's profit goes to the people who made it, by annual agreement; half stays to keep the venture alive. Bottom right, her own instruction — the one that prevents every classic abuse: define "profit" clearly.

The first circle says the upside of a venture belongs substantially to the people doing the work, by a standing formula, re-approved every year in the open. Nobody grants it at their discretion. The second circle says the local operation is owned entirely, one hundred percent, by the people who run it. She wrote the rule in her margin: not ownership. The middle stays thin on purpose.

And underneath both, the small drawing that grounds them: revenue minus expenses equals profit. Salaries live inside expenses — which means people are paid to do the work before "profit" exists at all. The pool is the shared upside on top of a fair wage. That is what "so they can afford to live" means in practice: the floor is salary at posted fair-market rates; the formula promises that a good year belongs to the people who made it good.

The pool, as she drew it

Redrawn from page 9 — the same nine slices, the same margin notes. This is one template: every crew publishes its own version of this pie before its first dollar moves.

the pool = 50% of profit CAIO · 20% = 10% of profit CTO · 20% = 10% of profit Chief Medical Officer · 20% = 10% of profit Employees · 10% product · eng · sales Marketing · 10% Legal & Compliance · 10% Board Advisors · 4% Finance (CFO) · 3% People Ops · 3% "CEO paid outside pool" "Meet reserve first" "only while employed"
Page 9, redrawn — her distribution exactly, margin notes preserved. Identity is carried by the labels; the slices only echo the site's palette.

Three of her margin notes carry more design than most equity plans. They are what makes this non-extractive:

  1. "Meet reserve first." Before anyone shares a good month, the venture funds its cushion. Distributions begin only after that reserve is met, so one bad season does not close a service people depend on.
  2. "CEO paid outside pool." Whoever leads is paid a posted salary like everyone else. The person who administers the pool takes no share of it.
  3. "Only while employed." A share in the pool attaches to doing the work: salary, bonus, retirement matching, profit share, all of it, while you contribute. Stop working, and the share returns to the people still working. Nobody accumulates a permanent claim on other people's future labor. Shares attach to work, which makes this the opposite of an absentee-shareholder economy.

The percentages themselves are hers from July 2024, a first sketch of one company's pool, C-suite roles weighted while a venture is young and judgment-heavy. Another crew's pie will look completely different: five equal slices, or weighted by hours logged, or seasonal. The system requires only that a split exist, published, before the first dollar moves, and a sheet, as her last line on the page says, "to see what the company looks like as it grows."

A venture, end to end

The mechanics, thought through: how a group of contributors goes from an idea to a shared living. Drawn from her "funding the work" flow (page 6), the funding-roles page (page 7), and the two circles.

1 · A crew forms free incorporation help 2 · Publish the split its own pie, posted openly 3 · Fund the season neighbors · sponsors · grants in fractions, at posted rates 4 · Build & serve salaries paid as they work the core → the commons free, forever, everyone's — including the crew's own families services → charged fairly prices posted · no gatekeeping of the commons, ever 5 · Revenue − expenses salaries live in expenses — paid first 6 · Reserve first the cushion before the celebration 7 · The pool distributes by the published formula · only while employed a living, earned locally wages + shared upside + owned skills …and the next season funds Every season the commons grows, the crew is paid, and nothing built can be repossessed. contributors of ideas are recognized and listed (her p.6 loop) · funders get recognition, events, membership tiers — belonging without ownership (her p.7)
The venture loop. Steps 1–4 cover formation and funding; the build forks into commons-core and charged services; steps 5–7 follow her arithmetic — expenses (salaries) first, reserve next, then the published split. The dashed line shows that the cycle repeats.

Walk it concretely. Five people decide their town needs a senior-care coordination service: a trained Host, a bilingual builder, a retired nurse, a community organizer, a bookkeeper. They form. The forms, steps, and incorporation help cost nothing but the filing fee, because "expand who can raise capital" starts with paperwork not being a moat. They publish their split, maybe nothing like the July 2024 pie: five equal shares, a slice for the high-school apprentice, reserve target on the first page. They assemble a season of funding. This is where scale matters: a single funded job pays one builder for one deliverable, but pooled funding at a larger scale is what makes collaboration itself affordable, six months of runway so five people can work together properly. Without that runway they moonlight alone. Neighbors fund fractions; a sponsor who wants the capability to exist funds half; a grant covers the accessibility work. Funders purchase, in her notebook's words, a virtual good: recognition, funder events, a membership tier, a community of interest. They buy belonging. Ownership is not for sale.

They build and serve. The coordination toolkit they create (the care-calendar templates, the intake flows, the Spanish-first guides) goes to the commons, free forever, used next year by a crew in another county they will never meet. The service (showing up, configuring a family's setup, running the weekly calls, training the cousins) is charged at posted prices, because someone gives up a Tuesday morning to do it. Salaries are paid from revenue as an expense, at fair-market rates from the posted work breakdown. At season's end: reserve first, then the pool distributes by the formula everyone agreed to in the open. The crew can afford to live. The town keeps the capability either way.

The commons seam — free core, charged edges, nothing extractive

Every hybrid model lives or dies at one seam: what is free, what is charged, and whether the charged part ever creeps over the free part. Carmen's example is the solution center — some services charged, some free — and online functionality where the core function lives in the shared commons and premium value is charged at rates that drive money back into the local economy. The seam is governed by three rules, and the charter enforces them:

The seam rules

Where free meets charged

The commons cannot be re-fenced. A capability released free stays free, and no "premium tier" may ever absorb what the community already owns. The charged layer can only ever be additional labor, hosting, or care.

Prices are posted and explained. What a charge covers — whose salary, what rent, what reserve — is public arithmetic, the same open-books grammar as the jobs board.

Surplus recirculates. After salaries and reserve, the upside goes to the published pool and the local node — people and places. No distant balance sheet receives it. The test of every price: where does this dollar settle tonight?

"We also have more control over the Money flowing into the system + the Money flowing out."Carmen's Mission notebook, 2024–2025

Notice what this seam makes possible: dignity in both directions. A family that cannot pay uses the commons fully, without a means test, because the commons is theirs — funded once, owned by all. A family that can pay buys human time and attention, and that payment becomes a neighbor's salary, a center's rent, a crew's good year. Nobody subsidizes anybody with their privacy; nobody's need becomes anybody's margin.

What funding buys at each scale

Her insight from the notebooks, generalized: the size of the pool determines the shape of collaboration it can afford.

A pledgefunds a task — one item from a work breakdown, one afternoon of a professional's verification.
Pooled pledgesfund a job — a complete capability, built by a paid builder, released to everyone. This is the jobs board.
A sponsor-scale poolfunds a season — the leap Carmen's note names: larger funding is what makes it possible for a group to collaborate. Five people, six months, salaries real. Ventures start here.
Sustained service revenuefunds a place — a center that is owned by its crew.

One ladder, one charter, four sizes of togetherness. The engine must make each rung reachable from the one below it — a funded task teaches the board to trust a builder; a funded job teaches a crew they work well together; a funded season teaches a town it can keep its own wealth.

The tests any model must pass

The template library stays open — co-ops, guilds, circles, arrangements not yet invented. What is closed is the floor. Every model, present or future, passes these five tests or it does not run here.

  1. The commons stays whole. Whatever the model, the core capability lands in the commons. Nobody can repossess it or fence it off again.
  2. The formula precedes the money. Who gets what — split, salaries, fee, reserve target — is published before the first dollar moves, and re-approved annually in the open.
  3. Reserve first, people next, in that order every season. Wages are expenses paid at fair rates; the reserve is met; then the upside is shared. No model may pay its upside by starving its wages.
  4. The middle stays thin. The network takes no rent on the commons and no percentage of a place it doesn't run. Not ownership.
  5. Shares attach to work. Upside belongs to present contributors — "only while employed." Money can buy recognition, belonging, and the existence of good things. Nobody can buy a permanent claim on other people's labor.

Her notebook keeps its open questions standing. So does this page: how does liability insurance work for centers? Can profit shares route to an IRA? What does the sheet look like "as the company grows"? Those are owed real answers by the working sessions — in the spirit of the line the whole engine is built under: I don't have all the answers, but maybe by listing the goals we can find the answers together.

Provenance