Negative interest, circulation incentive, demurrage, money holding costs – all these terms describe the same idea: holding onto money will (and should) have costs. The term ‘negative interest’ is popular but imprecise: for interest is actually due when one lends money. So long as deposits at the European or Swiss Central Bank cost money, the […]

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  Ralf Becker, born 1966, is a graduate in Business Administration and Economic Science of Wilhelms University, Münster in Westfalen (1987-1993). He won a scholarship from the fund for gifted students of the Konrad Adenauer Foundation to finance his studies. As co-founder of the debt forgiveness campaign erlassjahr.de and former advisor for the study “Sustainable […]

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In June 2014 the European Central Bank dropped its base interest rate below 0% for the first time. It charges “negative interest” on overnight deposits of commercial banks and is not the first or only bank to do this. With this policy central banks hope to stimulate commercial banks to make loans into the real […]

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Leander Bindewald gained a Diploma in Neurobiology (2007) and a Masters in Philosophy and Economics (2009) from the University of Freiburg and has since worked on the topic of currency diversity in various countries in Europe and North America. From 2012 to 2015 he was consultant on complementary currencies with the New Economics Foundation , […]

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Dr. Eva-Maria Hubert is an economist who researches economic history, monetary theories, monetary policy and complementary currencies and economic forms. She is currently developing the ‘middle way’ for economy and society in the 21st century. She is married with two adult children. Publications: Sozialtechnik Geld und Währungsmorphologie, in: Zeitschrift für Sozialökonomie, 172, Februar 2012. Wirtschaften […]

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Frank Jansky is a lawyer and the chair of the German Regional Currencies Association. He was born in 1967 and grew up in Genthin. He trained as a machine builder and after his military service studied law at the University of Potsdam followed by internships at various law practices. Since 1998, he has been working […]

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Ludwig Schuster, born 1975, is a project manager, consultant and speaker for sustainable development as well as an expert on complementary currencies and alternative money systems. He currently works in the ‘sinnwerkstatt Medienagentur GmbH’ in Berlin as a strategic consultant for eco-social enterprises. He has been advising start-up complementary currency systems in Germany and Europe […]

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Occupy Money by Margrit Kennedy “So that in future we are ALL winners.” This book is an easily understandable appeal for new money that is interest-free, just and stable. It argues for a new bottom-up movement putting pressure on politics and economics in order to finally create a monetary system that serves people and not […]

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