Governments depend on banking to put money into the economy and to distribute it. Banking has remained the same for centuries, and it is time to move it into the 21st century. Banking was invented to serve the needs of the wealthy, and it has stayed that way. The following is a possible promotional flyer from a Community Bank that serves the needs of the whole community by offering Fair Loans to local community groups.
Revolutionise Your Finances with Fair Loans
At [Your Bank Name], we believe in fairer, more inclusive banking that empowers communities, fosters productivity, and ensures everyone has an equal opportunity to thrive. That’s why we’re introducing Fair Loans, a groundbreaking approach to banking that puts people first.
What Are Fair Loans?
Traditional loans favour the wealthy, leaving others to pay more over time. But with Fair Loans, we’re flipping the script. Here’s how it works:
- No Hidden Costs: Instead of charging borrowers interest, we use a portion of the borrower's repayments to cover fees, ensuring everyone pays the same fair price for access to money. If you have a loan for $100,000, you pay $100,000 (indexed to inflation) in instalments over the length of the loan. Unpaid instalments are added to the loan.
- Community Growth: The money repaid (minus banking fees) is reinvested into your community to build assets like housing, infrastructure, and local businesses — decided by you with your community.
- Equal Opportunity: Whether a first-time borrower or a seasoned investor, you’ll pay the same rate, creating a level playing field for all.
- High Interest Rate: Your deposits will earn a 5% interest rate, and you can withdraw your money at any time or leave it to accumulate.
- Investment Opportunities: You will have the opportunity to invest in any project to which we provide loans. We work with you and, in consultation with the government, the type of loan we offer.
Why Fair Loans Matter
The current money system is broken. Wealth inequality is rising, and banks and multinationals profit while communities struggle. Fair Loans change that by:
- Unlocking Local Value: We use local assets (like homes, government-owned utilities or community assets) as collateral to fund projects that benefit everyone.
- Boosting Productivity: By reinvesting in your community, we create jobs, improve infrastructure, and foster economic growth — without extra cost.
- Keeping Wealth Local: Instead of profits going outside the community, they stay in your community, building a stronger, more resilient future.
- Giving members access to local investment opportunities: You will get access to liquid local investments.
How It Works
- Community-Driven: Your community decides how to use excess repayments to fund things your community decides. For example, building affordable housing, upgrading schools, or supporting local businesses.
- Self-Regulating: Our loans are organised around communities as permanent markets for different purposes, each with a fixed amount of money that grows as loans are repaid. Money flows where needed most, creating a dynamic, self-adjusting economy.
- Transparent & Fair: Interest is paid from repayments and not added to your loan. This means no capitalised interest, unfair fees, or wealth transfer from borrowers to the wealthy outside the community.
The Impact of Fair Loans
- Lower Costs: Dramatically reduce the cost of buying homes, starting businesses, or funding community projects.
- Shared Prosperity: The whole community, not just the wealthy, shares the benefits of increased money supply.
- Sustainable Growth: We create a stable, thriving economy for future generations by preserving money and reinvesting in private and community assets.
Join the Movement
At [Your Bank Name], we’re not just a bank but a partner in your community’s success. With Fair Loans, we’re building a financial system that works for everyone, not just the privileged few.
Ready to be part of the change?
Visit us today to learn more about Fair Loans and how we can help your community thrive. Together, we can create a fairer, more productive future.
[Your Bank Name] — Banking for the People, by the People.
