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Moneda Comunitaria y Banco Comunal duó del Poder Comunal

Moneda Comunitaria y Banco Comunal dúo del Poder Comunal

 

Wilber Arecio Dávila Gómez(*)

Es una experiencia  a partir de la gente y no del dinero, funciona como un medio de intercambio de bienes, productos, servicios y conocimientos en un ámbito territorial definido, reforzando entre los participantes los valores de responsabilidad, solidaridad y cooperación.

 

La moneda comunitaria o social, no sirve para acumular, no genera interés, sino satisface  a necesidades humanas.

 

La experiencia funciona en Australia, Nueva Zelanda, Francia, Alemania, Canadá, Estados Unidos, Inglaterra, Tailandia, Bolivia, México, Colombia, Brasil, Ecuador y Argentina.

 

Su entrada en vigencia en la República Bolivariana de Venezuela, surgió en el programa de Radio y Televisión “Aló Presidente” No 280, que se realizó en Puerto Ordaz, estado Bolívar, donde el Presidente Hugo Chávez, exhortó al Vicepresidente Jorge Rodríguez, una propuesta de Ley de Moneda Comunitaria, para incorporarla  en la Ley Habilitante, recientemente otorgada por la Asamblea Nacional, dentro de los “Cinco Motores de la Revolución Bolivariana”.

La moneda oficial (Bolívar) y la moneda comunitaria, pueden ser complementarios. Con ello se va dando un proceso de transferencia de la credibilidad depositada en instituciones bancarias -tan abusivas como decepcionantes-, hacia una credibilidad más tangible y reconstructiva de la responsabilidad, de familia a  familia y de persona a persona. Estas experiencias de la microeconomía fueron impulsadas por el  Grameenbank en Bangladesh y adoptadas en la Cumbre de Microcrédito en Washington.

Entre las ventajas de su empleo están: La gente confía en la moneda comunitaria, porque los participantes se conocen entre sí, están identificados (registrados), situación que coadyuva a resolver la iliquidez en la gente; pueden satisfacer necesidades en un momento dado; estimula la producción local, porque reducen la dependencia del crédito; no  actúa como trueque, existe un permanente equilibrio entre los términos oferta y demanda.

 En muchas zonas geográficas rurales de Venezuela, operan sistemas monetarios similares, teniendo como referencia jornadas de trabajo,  cargas de café, maíz,  o cargas de plátano, yuca, maíz etc.

No es una novedad, ahora corresponden al Banco Central de Venezuela, y a los ministros de las carteras económicas, evaluar las ventajas y desventajas producidas en los países donde opera, de tal manera que favorezca al pueblo, y no a los sectores bancanizados. 

(*)Periodista y Consultor Comunitario

San Cristóbal, estado Táchira, Venezuela

Correo Electrónico:wilberdavila1960@yahoo.es

Celular: (58) 04147373351

 
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