Bank tahan Deflasi

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Bank meminjamkan uang dengan pengembalian pokok disesuaikan dengan perubahan daya tukar uang / inflasi. Jadi kalau meminjam 100 sementara inflasi pada tahun saat pengembalian + 1% maka uangnya dikembalikan 101, dan kalau deflasi 1% uangnya dikembalikan 99 plus biaya jasa menyediakan likuidasinya (bunga).

Untuk Tabungan, masyarakat membuat menandatangani kontrak terlebih dahulu. Nasabah dibuatkan 2 akun, yang satu akun Tabungan yaitu akun penyimpanan uang, tidak diberi bunga dan dikenakan biaya administrasi & jasa penyimpanan. Akun selanjutnya adalah akun investasi, dimana kalau ada yang mau meminjam uang dari bank, maka uang tabungan nasabah ditransfer ke akun investasi dan kemudian dipinjamkan ke pengusaha. Akun investasi ini dapat bunga dan pokoknya dikembalikan sesuai inflasi juga (seperti di atas). Tentu saja di bank yang kuat yang banyak nasabahnya, orang dapat membuat kontrak untuk dapat mengambil uangnya dari akun investasi kapan saja.

Dengan begini nasabah dapat berpartisipasi dalam penentuan bunga juga. "Kalau saya menyediakan likuidasi buat komunitas bank ini, saya minta dibayar biaya jasa (bunga) sekian setiap periode...".

Kalau sudah banyak bank seperti ini, niscaya negara dapat membebaskan semua warga negara dari pajak, dan untuk membiayai proyek-proyek dan kebutuhannya cukup dengan memprint uang. Karena semuanya fokus untuk menciptakan deflasi, yaitu dengan cara meningkatkan penemuan / inovasi / solusi yang saling menguntungkan.

Keterbatasan di dunia ini bukanlah akan waktu, energi, ataupun uang... Melainkan keterbatasan akan solusi-solusi yang saling menguntungkan / tidak merugikan.

Komentar

  1. MelkiHassa6 Februari 2012 pukul 02.25

    Tentu saja margin allowance atau ruang untuk memprint uang harus tidak memperhitungkan deflasi yang disebabkan oleh meningkatnya konsumsi-konsumsi yang tidak dapat dipertahankan ketersediaannya. Misalnya turunnya harga bensin, tidak boleh jadi margin untuk memprint uang. Tapi penemuan varietas padi baru yang bisa disiram air laut, nah itu bisa menambah margin.

    BalasHapus

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