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 Germany” he has been studying the international finance markets since the insolvency of Mexico in 1982. He was a contributor to the Club of Rome report ‘Finance and Sustainability: The Missing Link’ (2012).

Ralf Becker has a wide knowledge of various monetary systems and their potential for implementation, which he brings to his role as longterm coordinator of the Advisory Board of Regiogeld e.V. (an umbrella body for regional currencies in Germany). As a social entrepreneur he gives talks on the subjects of sustainable monetary and financial architecture and has lectured at universities and academies in seven European countries.

Ralf Becker may be reached here: becker.nrw (at) gmx.de

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 worked as a consultant on complementary currencies with the New Economics Foundation , an independent Think Tank for a post-growth economy and sustainable economic systems in London and was the project manager for its EU-supported research project “Community Currencies in Action” (CCIA).

Since then, he has completed a PhD at theUniversity of Lancaster in the UK and works as an independent collaborator for MONNETA.

More on Leander and his activities here: www.CriteriCal.net

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.


  • Sozialtechnik Geld und Währungsmorphologie, in: Zeitschrift für Sozialökonomie, 172, Februar 2012.
  • Wirtschaften mit gedrosselten Wachstumsmotoren: Die Soziale Plastik als Zukunftsentwurf von Joseph Beuys, in: Dorothée Deimann, Simon Mugier (Hrsg.): Schöpfungskraft Wirtschaft, Basel, edition gesowip, März 2011.
  • Wirtschaften mit gedrosselten Wachstumsmotoren: Die Soziale Plastik als Zukunftsentwurf von Joseph Beuys, Zeitschrift für Sozialökonomie, 166, November 2010.
  • Benoît B. Mandelbrot und Richard L. Hudson: Fraktale und Finanzen – Märkte zwischen Risiko, Rendite und Ruin, Zeitschrift für Sozialökonomie, 164, April 2010.
  • Zinsfunktionen und das Problem doppelter Inkonsistenz, Zeitschrift für Sozialökonomie, 160, April 2009.
  • Joachim Bauer: Prinzip Menschlichkeit – Warum wir von Natur aus kooperieren, Zeitschrift für Sozialökonomie, 158, Oktober 2008.
  • Marktversagen, Verschwendung und bürgerschaftliches Engagement: Versuch zur ökonomischen Begründung von Regionalgeld, Zeitschrift für Sozialökonomie, 152, April 2007.
  • Tauschringe und Marktwirtschaft: Eine ökonomische Analyse lokaler Komplementärökonomien, Berlin, Duncker & Humblot, 2004.
  • Struktur öffentlicher Finanzen in Württemberg-Baden von 1945 bis 1952, St. Katharinen, Scripta Mercaturae, 1998.Eva-Maria Hubert may be reached here: em.hubert(at)arcor.de


Heike Isenschmid works as a Financial Coach with freelance firms, institutions and individuals.

She worked as a consultant to two banks, Credit Suisse and UBS. Before that she worked worldwide over a 16 year period for large banks, including in leading positions such as IT Management. Through working with leading managers of large enterprises she has gained great knowledge of both the pressures and the financial priorities of companies and the financial markets. During her time at UBS she worked to create a network of entrepreneurs as well as lobbying for “social responsible investments”. Since 2007, in connection with the great challenges for the banks, she began to see the current global finance system differently. Together with a network of financial reformers she conceived a financial institution based on principles of sustainability, conservation of resources and ethics, currently in planning.
Heike supports several groups of financial reformers working on the causes of the finance crisis and the development of possible solutions. It is important to her that transparency and longterm sustainability are at the heart of new initiatives.
Heike Isenschmid is married with two sons and lives in Meilen / Zürich.
Heike can be contacted here: heike.isenschmid (at) fairshare-am.com

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 as a freelance lawyer. In his law practice he deals mainly with independent regional small and medium enterprises as well as citizens seeking legal advice. During his many years of practice he has developed various areas of expertise, including knowledge of monetary and financial law.

Frank teaches law on various training courses, is an official mediator, and chairs the boards of various voluntary organisations and corporations. As a member of the activist group Lobby Control he campaigns for the following demands: lobbyists out of the ministries; the publication of all information about the work of lobbyists in ministries up to now; transparent and democratic methods for employing external experts eg through hearings or other participatory methods.

Frank lives in Magdeburg, where he initiated the regional currency “Urstromtaler”, and is active in Friends of the Earth Sachsen-Anhalt. He is currently supporting the school project “WIR-Schülerbank” in the secondary school ‘An der Elbe’ in Parey.

Frank Jansky can be reached at: frank.jansky(at)freenet.de

Kathrin Latsch is the executive director of MONNETA gGmbH, a journalist and freelance author for reports and documentary films eg for ARTE and NDR. In 2007 she received the Ekotop Film Prize for „International Sustainable Development Film“. In addition, she facilitates events on the topics of economics, education, environment and sustainable finance. Since the finance crisis of 2008 she has been working with the MONNETA network of experts, who advise on, research and develop sustainable monetary systems and social currencies. Together with Ludwig Schuster she developed the ‘environmental card’, an incentive scheme for environmentally friendly behaviour, which won a competition for citizens’ ideas in Hamburg in 2012.

Her short film „A Flaw in the Monetary System?“ explains the consequences of interest and compound interest, which is useful as an introduction to the basic problems in the financial economy and to possible solutions for example in lectures.

Kathrin Latsch lives in Hamburg and can be reached here: kathrin (at) monneta.org