About Us / Berkenaan Kami

Have you ever wondered why for decades prices of goods always goes up and never comes down?

You feel very much trapped. Why the endlessly rising prices? Car and house prices soar more than ever before.

In 1982 for example the salary of a new graduate in Malaysia was RM1200 a month, the price of the cheapest new car then was RM14, 000, and the cheapest terraced house in the Klang Valley (Kuala Lumpur area) was RM60, 000.

Today, the average salary of new graduates is RM2, 200. This is an increase of only RM1, 000 within 31 years!

But the cheapest new car has soared to RM40, 000 and the cheapest house price in Klang Valley has soared to RM400, 000!

Why? Is it due to the increased prices of steel, cement and other housing materials?

No! Prices of these materials have certainly gone up but that is not the reason for the huge upswing in the prices of the above.

In any country paper notes and coins forms only 10 % of its total money supply. So what is the balance of 90%?

90% of that is money created out of thin air by banks. This is a fact not often understood.

Many think that a country’s money is just its paper notes and coins; it is backed by gold and the volume of money does not change from year to year.

No. The reality is that the notes and coins are only 10 % of the amount of money in a country.

Our money is not backed by gold, it is created all the time by the banks out of thin air and money supply is not static but constantly balloon.

Can we imagine what would happen if the amount of money goes up in a country without a commensurate rise in goods and services?

Yes inflation will occur. This is what we have experienced over the years.

In the above example, this is why the car prices went from RM14, 000 to RM40, 000 and the price of terraced houses from RM60, 000 to RM400, 000!

Let us recall what were the prices of goods in the 60’s, 70’s and the 80’s compared to now.

What is the price of a kilo of kembong (Indian mackerel)l, a kilo of chili , a piece of roti canai , a glass of teh tarik , bus fares, house rentals, nasi lemak, banana fritters and a plate of fried noodles ?

Compare these prices with the prices now.

Now we can see clearly how the increasing volume of money, increased without our knowledge and permission, will balloon the prices of goods to us.

The hike in the prices of these items is actually a theft of our purchasing power.

Did anyone warn us to be ready when the volume of money is going be raised before it is raised?

No. It is raised without knowledge and without our permission.

Worse still this system makes the rich richer and the poor poorer.

The amount of money in a country should be more or less constant and not boosted up non-stop all the time.

Endless increases in amounts of money, without permission and without the knowledge of the public are a form of cruelty, especially to the common people who are on low and fixed income.

How about if we show that it not just about stealing the purchasing power of the poor but the system systematically transfers wealth from the poor to the rich?

This is the consequence of the double whammy of the fractional reserve banking system combined with a debt -based banking system.

Fractional reserve banking system resulted in the creation of money out of thin air as follows.

You place RM1000 in the current account in a bank. You are given a cheque book and you believe you can spend RM1000 at any time by writing a cheque.

Your bank however does not keep the money specifically for you to use. After deducting reserves by 10 % to be placed in the central bank it lends RM900 to another customer.

This customer then puts his RM 900 in his bank and is given a cheque book. He is also confident he can spend RM900 by writing a cheque.

This bank will then lend to other customers after deducting the 10 % reserve. This bank then lends RM810 to its customer. This customer then places the RM810 in another bank and is given a cheque book.

If we stop here and count back the number of people who hold cheque books and how much money they think they can spend, so far we will have 3 people holding cheque books each believing they can spend RM1000 , RM900 and RM810 respectively, amounting to RM2 ,710 , while the money original placed in the bank was only
RM1, 000 !

This is money created out of thin air.

Mathematically with a reserve to be placed in the bank of 10 %, the system is able to create money out of thin air of RM10, 000, increasing the amount of money from RM1, 000 to RM10, 000.

If the original figure deposited was RM1billion, the system is able to create money out of thin air as much as RM9 billion increasing the amount of money from RM1 billion to the sum of RM10 billion.

This is why the prices of goods and services will always go up and it will not stop as long as this system is implemented.

The point is, inflation will not disappear from our lives and the prices will never go down.

Exceptions are terrible recessions where prices collapse, but it will not mean much to people without jobs and income.

And after the fractional reserve banking system burdened us with permanent inflation in our lives, the debt based banking system then constantly steals wealth from the poor to be given to the rich.

We have seen above how money is created out of thin air by the banks. Banks then lend this fake money to their customers.

Bank however always gives priority to customers who can provide assets as collateral for their loans.

Those capable of offering assets as collateral are the rich in society.

This means that those likely to get loans from banks are the wealthy, whether individuals or companies.

They use the money that is created out of thin air by the bank to buy other assets and services in the community.

Since the amount of goods and services do not rise commensurate with the rise of thin air money supply, this will generate inflation which steals purchasing power from the poor.

Hence the double whammy to the poor, of the theft of their purchasing power and the constant transfer of their wealth to the rich. .

This is the cruelty that we want to end; the struggle that we wish to begin.

Enough that we are complicit in supporting a system that results in the theft of purchasing power from the poor.

Enough that we are complicit in supporting a system that systematically transfers wealth from the poor to the rich.

Will you join us?

Pernahkah anda memikir mengapa berzaman zaman harga barang sering naik tidak seiring kenaikkan gaji atau pendapatan kita?

Anda rasa sangat tersepit. Mengapa tiada henti-henti kenaikkan harga barang? Harga kereta dan rumah pun melambung berbanding dulu.

Pada tahun 1982 contohnya gaji seorang graduan baru ialah RM1200 sebulan; harga kereta baru termurah ialah RM14,000; dan rumah teres termurah diLembah Kelang RM60,000.

Pada 2013, gaji graduan baru purata ialah RM2,200. Ini merupakan kenaikkan hanya RM1,000 didalam jangka masa 31 tahun!

Tetapi harga kereta termurah telah melambung ke RM40,000 dan harga rumah termurah diLembah Kelang melambung ke RM400,000!

Mengapa ia berlaku demikian? Adakah ia disebabkan harga keluli, harga simen dan harga bahan rumah telah naik dengan begitu banyak?

Tidak! Harga bahan-bahan tersebut semestinya telah naik tetapi bukanlah itu lah sebabnya kelambungan yang mendadak dalam harga-harga tersebut diatas

Didalam sesebuah negara wang kertas dan syiling hanya merupakan 10% dari jumlah wang sesebuah negara. Jadi 90% lagi itu apa?

90% itu adalah wang yang dicipta atas angin oleh bank. Ini merupakan fakta yang kurang difahami umum.

Ramai yang menyangka bahawa duit didalam sesebuah negara contohnya negara kita adalah wang kertas dan wang syiling semata-mata dan ianya bersandar emas dan jumlah tidak berubah dari tahun ke tahun.

Tidak. Realitinya ialah wang kertas dan syiling merupakan hanya 10% dari jumlah wang dinegara kita.

Wang kita tidak bersandarkan emas, ia dicipta setiap masa oleh bank-bank dari atas angin dan jumlah wang melambung naik setiap masa, setiap tahun.

Boleh tidak kita bayangkan apa akan berlaku sekiranya jumlah wang melambung naik didalam sebuah negara tanpa kenaikkan setimpal jumlah barang dan khidmat?

Semestinya akan belaku inflasi. Inilah yang kita alami dari tahun ke tahun.

Dari contoh diatas, inilah sebabnya harga kereta dari RM14,000 ke RM40,000 dan harga rumah teres dari RM60,000 hingga RM400,000!

Cuba kita kenangkan berapa harga barang pada dekad 60’an, 70’an dan 80’an berbanding sekarang?

Berapakah harga sekilo ikan kembong, sekilo cili, sekeping roti canai, segelas teh tarik, tambang bas, sewa rumah, nasi lemak, goreng pisang dan sepinggan mee goreng?

Bandingkan harga-harga tersebut dengan harga sekarang.

Sekarang kita nampak dengan jelas bagaimana kenaikkan jumlah wang tanpa pengetahuan dan izin kita didalam sebuah negara akan melambung naikkan harga-harga barang kepada kita.

Kenaikkan harga barang-barang ini sebenarnya ialah pencurian kuasa beli kita.

Adakah sesiapa memberitahu kita untuk bersedia apabila jumlah wang akan dinaikkan sebelum ia dinaikkan?

Tidak. Ia dinaikkan tanpa pengetahuan dan tanpa izin kita.

Lebih perit lagi sistem ini mengkedanakan yang miskin dan menambah kaya yang sudah kaya.

Jumlah wang didalam sesebuah negara sepatutnya lebih kurang tetap dan tidak dilonjakkan tanpa henti setiap masa dan setiap tahun.

Kelonjakkan jumlah wang tanpa henti, tanpa izin dan tanpa pengetahuan orang ramai ialah suatu bentuk kezaliman terutama kepada rakyat marhaen yang berpendaptan rendah dan tetap.

Bagaimana pula kalau kami tunjukkan bahawa kezaliman yang berlaku bukan setakat pencurian kuasa beli rakyat marhaen tetapi sistem yang diamal sekarang memunggah kekayaan dari yang miskin kepada yang kaya?

Inilah akibatnya pukulan dua penjuru sistem perbankan rizab pecahan digabungkan dengan sistem perbankan berasaskan hutang.

Sistem perbankan rizab pecahan menghasilkan ciptaan wang berlipat ganda dari atas angin saperti berikut.

Anda menyimpan RM1000 didalam akaun semasa sebuah bank. Anda diberi buku cek dan anda berkeyakinan boleh belanja RM1000 itu bila bila masa dengan menulis cek.

Bank anda tidak pula menyimpan wang itu khusus untuk perbelanjaan anda. Setelah menolak rizab sebanyak 10% yang perlu diletak dibank pusat bank anda meminjamkan RM900 kepada pelanggan lain.

Pelanggan ini meletakkan RM900 dibank beliau dan diberi buku cek. Beliau juga yakin beliau boleh membelanja RM900 dengan menulis cek.

Bank ini pula akan pinjam kepada pelanggan lain selepas menolak rizab 10%. Bank ini meminjam RM810 kepada pelanggannya. Pelanggannya meletak RM810 dibank lain dan diberi buku cek.

Kalau kita henti disini dan kira kembali berapa orang yang pegang buku cek dan berapa jumlah yang mereka yakin mereka boleh berbelanja kita dapati setakat ini 3 orang pegang buku cek masing-masing yakin dapat berbelanja RM1000, RM900 dan RM810 iaitu berjumlah RM2,710, manakala wang asal yang disimpan dibank hanya RM1,000!

Inilah yang dimaksudkan wang yang dicipta dari atas angin.

Secara matematik dengan rizab yang perlu diletak dibank pusat sebanyak 10%, sistem ini mampu mencipta wang atas angin sebanyak RM9,000, mengganda jumlah wang dari RM1,000 kepada RM10,000.

Sekiranya angka asal deposit ialah RM1 bilion maka sistem ini mampu mencipta wang atas angin sebanyak RM9 bilion mengganda jumlah wang dari RM1bilion kepada RM10 bilion.

Inilah sebabnya harga barang dan khidmat senantiasa naik dan tidak akan henti selagi sistem ini diamalkan.

Pokoknya inflasi tidak akan hilang dari hidup kita dan harga barang tidak akan turun.

Pengecualian ialah kemelesetan ekonomi yang dahsyat dimana kejatuhan harga tidak lagi bermakna kepada yang kehilangan kerja dan pendapatan.

Satelah sistem perbankan rizab pecahan membebankan kita dengan inflasi yang kekal dalam hidup kita sistem perbankan berdasarkan hutang pula beroperasi memunggahkan kekayaan dari yang miskin kepada yang kaya.

Kita lihat diatas bagaimana wang dicipta atas angin oleh bank. Bank kemudian memberi pinjaman kepada pelanggan mereka.

Bank sentiasa memberi keutamaan kepada pelanggan yang dapat memberi cagaran untuk hutang mereka.

Yang mampu menawar cagaran ialah yang kaya dalam masyarakat.

Ini bermakna yang utama mendapat pinjaman dari bank ialah dari golongan berada samada individu atau syarikat.

Mereka mengguna duit yang dicipta dari atas angin oleh bank untuk membeli barang dan khidmat dalam masyarakat.

Oleh kerana jumlah barang dan khidmat tidak naik setimpal dengan kelonjakkan jumlah wang atas angin ia akan menghasilkan inflasi yang mencuri kuasa beli rakyat marhaen.

Maka sudah jatuh ditimpa tangga berlakulah pemunggahan kekayaan dari yang miskin kepada yang kaya.

Inilah kezaliman yang kita ingin hapuskan; perjuangan yang kita ingin dilakukan.

Cukuplah setakat ini kita sekongkol membantu pencurian kuasa beli rakyat marhaen.

Cukuplah setakat ini kita sekongkol membantu pemunggahan kekayaan dari yang miskin kepada yang kaya.

Mahukah anda bersama kami?



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