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Jukka Peltokoski

Co-operative Commonwealth: De-commodifying Land and Money Part 1 | Commons Transition - 0 views

www.diigo.com/...84bcea93d3c61f1dfa4804b281c773

shared by Jukka Peltokoski on 29 Jan 15 - No Cached
  • Jukka Peltokoski on 29 Jan 15
     
    Osuuskuntatutkija Pat Conaty avaa kolmiosaisen juttusarjansa osuuskunnallisesta maanomistuksesta ja rahasta. Ensimmäinen osa käsittelee historiallisia ja nykyisiä esimerkkejä. Osuusmaasta on lukuisia nykyesimerkkejä briteistä ja usasta ja se on osoittanut kykynsä irrottaa asumiskustannukset markkinoiden hintakehityksestä. Conaty on aiemmin kirjoittanut kestävistä yhteisöistä ja kasvupakosta irrotetusta taloudesta.
  • Jukka Peltokoski on 29 Jan 15
     
    Osuuskuntatutkija Pat Conaty avaa kolmiosaisen juttusarjansa osuuskunnallisesta maanomistuksesta ja rahasta. Ensimmäinen osa käsittelee historiallisia ja nykyisiä esimerkkejä. Osuusmaasta on lukuisia nykyesimerkkejä briteistä ja usasta ja se on osoittanut kykynsä irrottaa asumiskustannukset markkinoiden hintakehityksestä. Conaty on aiemmin kirjoittanut kestävistä yhteisöistä ja kasvupakosta irrotetusta taloudesta.
Jukka Peltokoski

Co-operative Commonwealth: De-commodifying Land and Money Part 2 | Commons Transition - 0 views

commonstransition.org/odifying-land-and-money-part-2

cooperative commonwealth land osuuskunta maanomistus velka debt osuuskuntakeissi Conaty commonstransition

shared by Jukka Peltokoski on 08 Feb 15 - No Cached
  • Usury is little discussed today but it is crucial in policy terms.
  • in Germany, Christian Christiansen championed the founding of a number of rural savings and loan co-operatives that went by the acronym JAK, short for Jord Arbete Kapital (“Land Labour Capital”)
  • There were other models that flourished. Dr. Thomas Bowkett introduced a mutual organization in the 1840s to provide housing and smaller loans interest-free.(7) Twenty years later, Richard Starr made some adjustments to the system, and the “Starr-Bowkett” societies spread fast.
  • ...30 more annotations...
  • in Brazil today. CoopHab is a major housing federation of co-operative savings societies.
  • During the industrial revolution English working people were excluded from bank lending though pawnbroking was rife. Mutual aid savings clubs developed interest-free lending systems for housing. The most successful were the Terminating Building Societies for buying land and building houses.
  • Sweden
  • Operationally, JAK is very similar to a credit union, except that members do not earn any interest on their savings or dividends on their shares.
  • The total cost of a JAK loan covers four things:(12)loan appraisal and set-up cost at a fee that is 2-3% of the approved loan value.an annual administration fee equal to 1% of the loan.an annual fee of approximately $30 to support the JAK educational system and volunteer services.(13)an equity deposit equal to a 6% of loan value to cover risk on any loan in the portfolio.
  • Members are strongly encouraged to pre-save in order to qualify for a loan.(15) Members also contract to continue saving while they are repaying their loans.
  • The Greenbacks would not be backed by gold, but by the farmers’ crops, which would be stored in sub-Treasury warehouses paid for by the government.
  • Swiss WiR
  • President Lincoln
  • free Greenback dollars
  • Lincoln
  • he had led the introduction of a paper money not backed by gold or silver, and had shown that the government could create, issue, and circulate by fiat the currency and credit needed to satisfy the spending power of the government and the buying power of consumers.
  • the privilege of creating and issuing money is not only the supreme prerogative of government, but it is the government’s greatest creative opportunity.
  • National Farmers Alliance and Co-operative Union, led by Charles Macune, developed the Sub-Treasury Plan.
  • JAK banking, CoopHab and Community Land Trusts work well but are below national policy radar. This is not entirely the case for co-operative commonwealth systems.
  • So this was not simply a co-operative currency. It was a new national currency under a co-operative and state partnership to expunge the debt peonage imposed by merchants and bankers.
  • Infuriated, farmers and workers created their own party in 1891 to carry forwardmonetary reform and a co-operative economy. The new Populist party won some local, state and Congressional elections before falling into decline after 1895.
  • A.C. Townley launched the Non-partisan League (NPL)
  • Bank of North Dakota
  • Henry Ford and Thomas Edison suggested a novel solution.
  • proposed that new money be created by issuing interest-free government bonds
  • Frederick Soddy
  • made the first case for an ecological economics free of debt
  • “100% money.”
  • 100% reserve requirement.
  • Clifford H Douglas
  • He argued that a clear-cut and labour-saving solution would be for Government to create new money, interest-free as “Social Credit.”
  • First all citizens would receive a National Dividend.
  • Second, Douglas proposed that publicly-owned producer banks be set up in each region of the UK to provide finance debt-free to industry and enterprises.
  • From 1929 monetary reform attracted a wide audience In the UK, Australia, New Zealand, the USA and Canada with growing grassroots calls ranging from public banking to universal basic income.(34) The New Deal of Franklin Roosevelt took inspiration from John Maynard Keynes.
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