In 31 cities, coins help keep the money in the local economy.
Palmas ticket issued by the bank Palmas, Fortaleza (CE)
who prefer more: a chestnut? or Real?.
If in Palhano, Ceara, prefer the Chestnut - She may be worth more than the Brazilian currency.
Chestnut, in this case is a bank-issued currency Artpalha social, and gives you discounts at local businesses.
With nearly 100 billion reais in notes and coins in circulation, the Royal is officially accepted currency in Brazil. But more than thirty locations in the country, lost space that was occupied by alternative currencies, bank-issued social.
"social currency is a tool for local economic development. The idea is to make the resources of that community can move as long as possible within it, creating a virtuous cycle," says Antonio Haroldo Pinheiro Mendonça, CEO Fair Trade and Credit of the National Secretariat of Economy Solidarity, the Ministry of Labor and Employment (MTE).
The operation is simple: in the bank office, the actual consumer changes the social currency in circulation in your neighborhood or city. Local merchants, he makes a discount when you pay with this money. If there is no need to shop outside the community, you can undo the change.
"What happens is that without social currency, all the money comes, goes, does not remain in the community. With Real, people usually buy out. Now with that money (social money) is safer that people buy in your own neighborhood, "says João Joaquim de Melo Segundo, director of the Brazilian Network of Community Banks and the Banco Palmas Institute.
Circulation.
social coins circulate today in 33 communities in 31 cities, most of them in Ceará. For smaller municipalities, the currency circulates through the city, is the case Acaraú in Tamboril, and peace, which circulates in Paramoti. In major cities like the capital (of Ceara) Fortaleza, the currency is restricted to a neighborhood, such as rivers, Portugal Farm community.
indigenous names or use words refer to the city or neighborhood. Thus, in the municipality of Ocara circle the Tupi, in Tauá, the quinamuiú, and in the neighborhood of Paju, in Maracanaú, the Maracana is the currency.
Palmas Bank, led by João Joaquim, is the reference of the project. The Body Palmeiras, in Fortaleza, Ceará, circulating today, about 25 thousand palms, accepted by 240 points recorded trade. "The consumer can change the Real by Palmas, because trade gives discounts. So for the resident is more advantageous to have Palmas Reales," he says. The gas cylinder, for example, can go up to 13% cheaper, for those who paid Palmas.
A survey done by the Institute Palmas Bank, shows that Palmeiras community residents consume more than 5 billion reais a year. "But the circulation of these resources was very volatile. The person spent all large supermarket chains, and in the malls" Mendonça says, the MTE.
Par ticket issued by the bank Pair of Paracuru (EC)
Competition with Real
social
All currency issued in Brazil is supported at Real and is for the currency pair, this means that for each scholar, Tupi, palms or maracanã issued, the social bank must have a Real kept in the box. This avoids breaking the law - it restricts the issuance of money by the Central Bank (BC).
"This gives the government a guarantee that this will not be competing with Real," the representative of the Ministry of Labour. The BC recognizes today, such currencies as receivables - title that represents real value and that entitles the bearer to receive a service or product in exchange (same classification of transportation vouchers).
There has, until now, the BC regulations on the issuance of these coins. According to Antonio Haroldo, these regulations must be ready for October, during a meeting of microfinance organ. The recommendation, by far, is that the appearance of notes is very different from the Real. "Today the garment are a type of paper, and a more professional content based processing," explains.
Salary and Credit
social
banks not only make the issuance and change of currencies. According to Joaquim, institutions also make loans of 200 to 10 000 True True, members of the community where it operates, with funds backed by the Bank of Brazil. But again, the social currency is more advantageous in the Banco Palmas, Palmas loans in (currency) have zero interest. To pay in Reais, the customer pays 1.5% to 3.5% monthly interest.
The bank also offers a credit card, for use in stores in the neighborhood. Palmacard client begins with a credit of 20 Reales, which can be increased if there is timely payments. In some cases, by agreement between the parties, the wages of workers are partly paid in social currency.
This article was published in Globo.com , and has been translated into Castilian by me. Sorry
errors that may have committed.
The original article can be read here: commonly use moeda sociais to ajudar Desenvolvimento Econômico.
was published in the section of "economy and business."
.
0 comments:
Post a Comment