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There are thousands of ways to fight poverty. The most urgent, according to the Pope John Paul II in his speech in Switzerland, is to fight against the unjust monetary system, to take urgent concrete measures to wipe out the heavy burden on developing countries of a huge debt service. Do those iniquitous loads kill? Yes, each country has to take measures to guarantee the basic rights of its population or else many projects are condemned' advances.

The goal of 3C is to provide the instrument which will make it possible for the poor to free themselves from a vicious economic cycle. This instrument is through the local creation of money according to the Swiss www.wir.ch system.

What is a complete 3C bank? Is it useful? A complete 3C bank englobes not only the local creation of money, but the creation of a stockpile of seed in order to promote renewable development. It is also a rice bank, a seed bank, a cereal bank, a corn bank. A huge percentage of crops are lost due to bad storage. A simple example to avoid waste is the Swiss Alps way of storing in a dry room above ground level. The Swiss "mazot" is a wooden hut built on stone columns, the latter planted in sand-filled holes to avoid termites and topped with larger flat stones to keep out rats, mice and vermin.

How does a rice bank function? One needs before all to have a good amount of solidarity in a village, a score of peasants, agricultural workers, men and women who agree to pool together part of their profits for the common good.

Usurers want at least 300 kg back to every 100 kg lent for each crop. You can have 3 crops per year. Interest rate is then nearly 1'000 per cent per year (sic). A family cannot refund more than 300 kg and even less much more. The family field is too small to generate enough income. They have to sell land to meet their creditors. This the main cause of distress and suicide in poor countries.

Cooperatives all over the world have become an effective and potential instrument of economic development. The cooperative movement in Switzerland has over the decades witnessed substantial growth in diverse areas. There is not a single major sphere of economic activity which has not been touched by cooperatives. Cooperatives are also envisaged as an instrument for implementing many important policies like agricultural credit, urban credit, market intervention, price support for agricultural commodities through cooperative wholesale stores, public distribution system etc.,

From a small beginning, the cooperative movement in Switzerland has grown in strength over the years. Opening of a circle cooperative credit society in Switzerland in 1934 marked the advent of the cooperative movement in local money creation ushering in a new era of services for the people of the state, particularly the agriculturist families. From agricultural banks to marketing societies and consumer cooperative stores, cooperatives provide services to the people in various economic activities. Cooperatives could also run the public distribution system which provides relief to each and every family in the State. See http://www.union-ch.com/?lng=en and www.wir.ch and www.wir-walser.ch

We have added ideas from Philippines , Madagascar, Ceylan , Mexico and Columbia , mainly seed's banks and rice banks.

f) Co-operation among Cooperatives for the promotion of thrift, self help and mutual aid among persons with common socio-economic needs; and

The Registrar of Cooperative Societies being the head of the department is functioning at Lausanne, Switzerland. The Registrar of Cooperative Societies is assisted by Additional Registrars of Cooperative Societies, Joint Registrars of Cooperative Societies and Deputy Registrars of Cooperative Societies at the Headquarters. A Joint Registrar of Cooperative Societies is in-charge of each region. Circle Deputy Registrars of Cooperative Societies are working under their control.

The regional Joint Registrars are responsible for the proper functioning of the cooperative societies in the district ( i.e) cooperative credit institutions, consumer cooperatives, cooperative marketing and processing societies, farming societies and special type of cooperative societies like labour contract societies.

There are Joint Registrars (Public Distribution System) in case of emergency, exclusively to attend to the work relating to distribution of essential commodities through the public distribution system outlets of the cooperative societies.

The State has been divided into circles for the administration of the department. The circles on the territorial basis are generally coterminous with history. In a City, however, there are several circles which are functioning on functional basis or districts, some for credit and the other for non-credit cooperatives. The circle Deputy Registrars are working under the immediate control of regional Joint Registrars. Many of the powers of the Registrar under the rules framed there under have been delegated to circle Deputy Registrars in respect of primary cooperatives. The Deputy Registrar attends to the inspection and supervision of all cooperative societies in his circle and discharges all statutory functions relating to the societies, such as enquiry, arbitration, execution, liquidation etc. A circle Deputy Registrar is assisted by few Cooperative Sub Registrars and a complement of Senior Inspectors, Junior Inspectors and other ministerial staff.

Apart from the regular circle Deputy Registrars, in every district, there is one Deputy Registrar (Public Distribution System) with a complementary staff for the supervision of fair price shops. They are also working under the direct control of the regional Joint Registrars.

There are seven Deputy Registrars (Public Distribution System) functioning under the direct control of Joint Registrar (Public Distribution System). They are helping the various public distribution system outlets of the cooperative societies.

There are Cooperative Banks, functioning with their area of operation extending over the entire state.

The District Central Cooperative Banks, District Cooperative Unions, Cooperative Printing Presses, Cooperative Wholesale Stores are functioning with area of operation confined to the respective district. Urban Cooperative Banks are functioning with area of operation confined to respective urban areas. The area of operation of Co-operative Marketing Societies is the respective areas. Primary Cooperative Agriculture and Rural Development Banks are functioning with area of operation at local level. The Primary Agricultural Cooperative Banks and Primary Cooperative Stores are functioning at Primary level covering villages.

An application for registration of a cooperative society shall be made to the concerned circle Deputy Registrars in prescribed format for any specific purpose. The application shall be signed at least by 25 eligible members.

1.	Total population in the area of operation of the proposed Cooperative Bank
2.	Minimum share Dividend
3	Gross cropped area	2,000 hectares

Election of 3 Directors and 2 auditors

Prices fixation for basic goods and work

OK for Dividend to each person

How to share abundance in writing

Necessary assistance and guidance can be got from the Extension Officer (Cooperation) who is working in each Union Office.

Citizens can organise any type of cooperative society as they have variety of needs and services subject to the provisions of Cooperative Societies Act. Types of co-operative societies now functioning in the state catering to various needs of citizens are furnished here under:-

	Purpose served	Type of Cooperative Societies.
1.	For Agriculturist at village level	Primary Agricultural Cooperative Banks
2.	For Urban People (Urban Area)	Cooperative Urban Banks
3.	For sale of Agricultural produce at remunerative price and to get loan on the pledge of produce.	Agricultural Producers Cooperative Marketing Societies.
4.	Loans for Minor Irrigation, Farming, Seri culture , Horticulture, Non Farm sector, Tractor requirement	Primary Cooperative Agriculture and Rural Development Banks.
5.	For getting consumer goods at right price, and right weighment.	Primary Cooperative Stores, Cooperative Wholesale Stores, Cooperative Super Markets.
6.	For employees in Government Department, Government sector, public sector, private sector.	Employees Thrift and Credit Cooperative Societies.
7.	For Barbers and Washermen	Barbers Cooperative societies and Washermen Cooperative Societies.
8.	For Labourers	Labour Contract Cooperative societies.
9.	For Vegetable Growers	Vegetable Growers Cooperative Marketing Societies.

Cooperative Circle for Credit is a Society (hereinafter "Society /Social Credit") according to the provisions of art 60 and al. of Swiss Civil Code.

(B) To promote, study, advance and protect trading, commercial, financial and manufacturing interests and relations, as a financial aid to poor people, without any interests, at any rate ( see www.pervenit.com and www.wir.ch ).

A Local Social Credit Bank is a business owned and controlled by the people who use its services. They finance and operate the business or service for their mutual benefit. By working together, they

The purpose of the Local Social Credit Bank is to provide greater benefits to the members such as increasing individual income or enhancing a member's way of living by providing important needed

services. The Local Social Credit Bank, for instance, may be the vehicle for obtaining improved markets or providing sources of supplies or other services otherwise unavailable if members acted alone.

In many respects, Local Social Credit Banks resemble other businesses. They have similar physical facilities, perform similar functions, and must follow sound business practices. They usually incorporate under State laws and require bylaws and other necessary legal papers. Members elect a board of directors to represent their interests. The board sets policies and hires a manager to run the Local Social Credit Bank's day-to-day business.

Even though Local Social Credit Banks are similar to many other businesses, they are distinctively different. Some differences are found in the Local Social Credit Bank's purpose, ownership, control, and distribution of benefits. Local Social Credit Banks follow three principles that define or identify their distinctive characteristics:

The user-owned principle means the people who own and finance the Local Social Credit Bank are those who use it. "Use" usually means buying supplies, marketing products, or using services of the Local Social Credit Bank business.

Members finance the Local Social Credit Bank through different methods: 1) by a direct contribution through a membership fee or investment; 2) by an agreement to withhold a portion of net earnings (profit); or 3) by assessments based on units of products sold or purchased 4) By local money creation thanks to the money creation card, the compensated discounts and the dividends decided by the General Assembly, with a new given name to the local money but at parity with the national currency, see www.wir.ch 5) By distribution of the social dividend 6) By the compensated discount. 7) Sharing of the profits helps finance the Local Social Credit Bank's operations.

The user-controlled principle (also called democratic control) says those who use the Local Social Credit Bank also control it by electing a board of directors and voting on major organizational issues. This is done on a one-member, one-vote basis.

The user-benefited principle says that the Local Social Credit Bank's sole purpose is to provide and distribute benefits to members on the basis of their use. Members unite in a Local Social Credit Bank to receive services otherwise not available, to purchase quality supplies, to increase market access, or for other mutually beneficial reasons. Members also benefit from distribution of net earnings or profit based on the individual's business volume with the Local Social Credit Bank.

To operate under these distinctive principles, an important practice, particularly for new Local Social Credit Banks, is to conduct continuing member education. This is especially important for attracting and recruiting new members. It is also necessary because the Local Social Credit Bank's membership since conception, continually changes. Older members retire and new ones join.

Keeping owners informed is an important practice for any business, but vital in a Local Social Credit Bank for at least three reasons:

(1) The democratic control principle, exercised through majority rule, requires that the entire ownership (members) be informed and involved to assure that enlightened decisions are made;

(2) Members must indicate their needs and accept the accompanying financial responsibilities before the Local Social Credit Bank can fulfill those needs; and

(3) Some people are not familiar with the Local Social Credit Bank form of business. The educational system contains little, if any, information about Local Social Credit Banks. So, the Local Social Credit Bank, itself, must become the educational institution www.louiseven.com .

All members sign a declaration not to be a member of any secret society and pay a fine of one million US $ if that fact is proven.

To help in the attainment of these objects, but not in limitation of them, the Social Credit may inter alia:

* Collect and disseminate statistical and other information relating to the aforesaid interests;

* Maintain the necessary contacts relating to the aforesaid interests with appropriate government or trade authorities and bodies;

* Promote, support or oppose legislative or other measures affecting the aforesaid interests;

* Undertake by arbitration the settlement of disputes arising out of trading, commercial, financial or manufacturing questions submitted to its decision;

* Institute through appropriate channels legal or other proceedings for the protection of any commercial interests in the local community, provided that, and so far as, no breach be committed of the rules of law against maintenance or champerty, if and so far as such rules of law are applicable in the country in which such proceedings are instituted;

* Supply, without guarantee, information respecting the standing of companies, firms

* Give advice and assistance to its members and others in establishing commercial connections, finding agents and evaluating trade conditions in the the local community;

* Sell, lease, mortgage or dispose of or otherwise deal with all or any part of the property of the Social Credit without any interest rate if applicable;

* Do any other lawful things as may be conducive to the extension of any trade, commerce, finance, manufacturing or economic interests or incidental to the attainment of any or all of the above objects.

(d) Any other persons, partnerships, companies or corporations which the Council of the Social Credit, having regard for the interest and objects of the Social Credit, shall deem suitable for membership. For the purpose of registration, the number of Members of the Social Credit is declared as being unlimited.

4.02 The amount of the annual subscription of members as well as the categories of membership shall be determined by the Council from time to time by regulations issued by it but subject to such regulations being ratified by the next General Meeting

of the Social Credit, which may also amend the regulations being proposed, and such amended regulations will be effective from the commencement of the following calendar year. Should the General Meeting or any continuation thereof, fail to ratify such regulations, they shall cease to have effect from the commencement of the following calendar year. Any regulations may also prescribe any additional amounts to be due from members for late payment of subscriptions and reductions of subscriptions as it may determine.

Subscriptions for the current year are payable no later than January in each year but the first subscription of a member admitted during the year shall be limited proportion of the full year calculated as from commencement of the quarter immediately preceding his election. The liability of each Member to the Social Credit and to third parties is limited to his subscriptions due hereunder.

The Council shall also be entitled to nominate members to be patrons of the Social Credit on conditions as it considers appropriate

For the purposes hereof, an "Individual Asset Member" shall be a person with a teaching qualification in languages either being self-employed or working for a small enterprise (not more than 5 employees) offering language tuition and related services, or a teacher employed by a school which is not exclusively a language school. Whether a member is eligible to be considered as an Individual ASSET Member shall be determined by the President (or in his absence or incapacity a Vice President) whose decision shall be final."

Notwithstanding the foregoing or the provisions of Article 8.01 (g) below, the Council shall have the authority by resolution to introduce a subscription rate for individual members and a "small business" subscription for ordinary members at a rate below the amount stated above and under conditions as the Council may consider appropriate.

4.03 A candidate for election shall sign a written application for election and an agreement to be bound, if elected, by the Articles of Association. The application shall be brought before the Council at their next or subsequent meeting, when a majority of the Members of the Council then present or represented may admit the candidate as a member. Such admission, together with submission of an application for membership and payment of the subscription, shall constitute membership and an agreement to be bound by these Articles of Association. The Executive Director shall keep a list of all members at the Social Credit's head office.

4.04 A member must give written notice to the Social Credit at its head office in care of its Executive Director before the end of December in any year of his wish to retire, or he will be liable for his subscription for the ensuing year. A member whose subscription is in arrears, shall not be entitled to vote on any questions, and if his subscription remains unpaid on the 30th of June, all privileges of membership will be forfeited until payment is made, and his name may be posted in an arrears list in the offices of the Social Credit; but the arrears will still be a debt due to and recoverable by the Social Credit.

4.05 A majority of members present and voting at an Annual or Special General Meeting of the Social Credit may by resolution expel any member whose conduct in their opinion renders him unfit to be a Member of the Social Credit. Any such person shall from the passing of such resolution cease to be a Member of the Social Credit, provided that seven days' notice at least shall be given to such member of the intention to propose such a resolution, and he shall be given an opportunity of being present at the meeting at which such resolution is proposed, and being heard in his defense.

4.06 The Council may admit to honorary life membership of the Social Credit individuals distinguished in statesmanship, diplomacy, commerce, or finance, who shall not be required to sign the application mentioned above, or to pay any subscription. Notwithstanding the foregoing, honorary members shall have all rights as members as set out herein.

(A) The income and property of the Social Credit, whensoever derived, shall be applied solely towards the promotion of the objects of the Social Credit as set forth herein; and no portion hereof shall be paid or transferred directly or indirectly, by way of dividend, bonus or otherwise, to the members of the Social Credit, provided that nothing herein shall prevent the payment, in good faith, of reasonable and proper remuneration to any officer or servant of the Social Credit, or to any member of the Social Credit in return for any services actually rendered to the Social Credit, nor prevent any payment of interest at any rate ( according to Vix Pervenit) or reasonable and proper rent for premises demised or let by any Member to the Social Credit; and provided that a member of the Council of the Social Credit may be appointed to any salaried office of the Social Credit or any office of he Social Credit paid by fees, and that in such event remuneration or other benefit in money or money's worth may be given by the Social Credit to any member of such Council, and members shall be entitled to repayment of out-of-pocket expenses and a share on the profits aforesaid on money lent or reasonable and proper rent for premises demised or lent to the Social Credit.

(B) If upon the winding up or dissolution of the Social Credit, there remains, after the

satisfaction of all its debts and liabilities, any property whatsoever, the same shall not be paid to or distributed among the Members of the Social Credit, but shall be give or transferred to some other any or Swiss institution or institutions having objects similar to the objects of the Social Credit, and which shall prohibit the distribution of its or their income and property amongst its or their members, to an extent at least as great as is imposed on the Social Credit under and by virtue of Clause 5 hereof, such institution or institutions to be determined by the Members of the Social Credit at or before the time of dissolution, and if and so far as effect cannot be given to the aforesaid provision, then to some any or Swiss charitable object.

At least once every year the accounts shall be examined by the elected auditors who will give their opinion on the financial statements on the compliance of the accounts. The auditors' report shall be open to inspection at the Social Credit's head office during the three - week period prior to the Annual General Meeting of the Social Credit.

7.01 The business of the Social Credit shall be managed by a council who shall either be Members of the Social Credit or the nominated representative of a company partnership or corporation which is a member. Notwithstanding any such nomination they shall act on the Council in an individual capacity. The Members of the Council shall be elected at an Annual General Meeting of the Social Credit, and they shall hold office until the third Annual General Meeting after their election. Council members shall use their best efforts to attend meetings of the Council.

7.02 At the Annual General Meeting of the Social Credit in each year the Members of the Council whose office has expired shall retire but shall be eligible for re-election. Council shall give at least 10 days' notice before the Annual General Meeting of the names of the members so retiring and of the fact that they are eligible for re-election. Such notice shall be given in the Social Credit Bulletin, or such other manner as notices are by these Articles of Association authorized to be given.

7.03 All members have the right of nominating candidates for election as Members of the Council. Candidates must be nominated at least 21 days before the Annual General Meeting, and their names must be notified to members by publication in the issue of the Bulletin appearing before the date of meeting, or by notice given in manner authorized by these Articles, and be posted on the notice board at the Social Credits' Head office.

7.04 The Council shall elect from its own body by ballot or otherwise as they may determine, a President, Vice-Presidents as required, and an Honorary Treasurer, who are herein called "the officers" of the Social Credit. Each officer shall have a term of office of three years or such other term as the Council shall, from time to time, decide. Each officer shall be eligible for re-election. The President shall also be entitled to appoint an officer, after consultation with the Steering Committee, provided that such appointee shall be submitted to the Council for election at the next Council meeting. Councilors wishing to be considered for election as an officer shall be proposed and seconded by other Councilors giving written notice to the President not less than 45 days prior to the next Council meeting due to consider election of officers. Candidates shall not be entitled to vote for themselves. The Council shall otherwise establish rules, from time to time as it considers appropriate, for the conduct of elections, filing which the procedures shall be laid down by the Steering Committee .

7.05 The Council shall meet at least twice a month. Members of the Council shall receive at least two days' notice of such meeting. Meetings of the Council shall be presided over by the President or by a Vice-President, or, in their absence, by one of the Council, who shall be elected Chairman for the day. The President only shall have a casting vote as well as an original vote. Three Members of the Council (taking into account proxies and alternates) shall form a quorum. At meetings of the Council voting by proxy (as provided below) or letter shall be permitted and it shall be valid for a majority of the Members of the Council to authorize in writing either the Executive Director or the President to follow a certain course of action and such authority shall be ratified at the next meeting of the Council. A Member of the Council not able to attend a Council Meeting shall be entitled to appoint (by notice to the President in writing) a colleague working for the same Social Credit member or another member of the Council, as an alternate, to attend meetings of the Council in his or her place or to give such person a written proxy to vote on his or her behalf. Such appointee may exercise all rights of a Member of the Council but a proxy holder shall only be entitled to vote in accordance with the terms of the proxy . The members of the Council may act notwithstanding any vacancy in their body. Notwithstanding the above, resolutions of the Council may also be adopted in writing by telex, cable, facsimile or electronic mail by not less than eight council members provided that seven days' notice shall have been given to all council members of the intention to adopt a resolution in this manner and no two council members have requested oral deliberation. Any resolution so adopted shall be binding as if a physical meeting of the Council had taken place.

7.06 Special meetings of the Council may be convened by order of the President, or in his absence by a Vice-President. They shall also be called by the President upon the requisition in writing of at least eight Members of the Council. In each case not less than seven days' notice of the proposed meeting shall be given to all Council members.

7.07 In the event of any Member of the Council not attending, resigning, dying or becoming insolvent between the regular periods of annual election, the Members of the Council may declare the seat vacant, and may elect another Member of the Social Credit to fill such vacancy. Further, the Members of the Council may elect members (or their representatives) as additional members of the Council. In each case, the member or representative so elected shall only hold office until the next Annual General Meeting, but shall be re-eligible for election to the Council in the usual manner.

7.08 At the Annual General Meeting in every year the Council shall lay before the Social Credit an income and expenditure account for the period since the last preceding account made up to a date not more than 6 months before such meeting, together with a balance sheet made up as the same date. Every such balance sheet shall be accompanied by reports of the Council and the auditors, and copies of such account, balance sheet and reports (all of which shall be framed in accordance with any statutory requirements for the time being in force) and of any other documents required by law to be annexed or attached thereto or to accompany the same shall, not less than twenty-one clear days before the date of the meeting, be sent to the auditors and to all other persons entitled to receive notices of general meetings in the manner in which notices are hereinafter directed to be served.

(b) to appoint and to determine the duties of an Executive Director and such other officials as may be necessary for the due conduct of the business of the Social Credit, with annual salaries or otherwise;

(c) to engage professional assistance and to remunerate all persons employed by them provided that no Council Member shall vote on any Council decision relating to his employment by the Social Credit or where he or the member he represents would benefit by such decision;

(d) subject to these Articles of Association, to call their own meetings and regulate their own organization and proceedings;

(e) to act in the name of the Social Credit and to determine the officials or Council Members authorized to represent the Social Credit;

(g) to arrange luncheon seminars and other events on behalf of the Social Credit and

(h) generally to exercise all powers and functions of the Social Credit not hereby conferred upon general meetings of the Social Credit.

Copies or extracts from minutes or other documents shall be certified by the signature of the President, or failing him, of an Officer. The Council may appoint Chapters or committees for any special object and shall appoint a Steering Committee (which shall consist of the officers of the Social Credit and Chairmen of other Council Committees and Chapters and other Councillors, Members and employees of the Social Credit as shall be determined by the President) to manage day to day matters on behalf of the Council. The Steering Committee shall act and meet as the President shall consider appropriate and otherwise in accordance with regulations adopted from time to time by the Council. Such committees shall work under the control of the Council and report to the Steering Committee (where appropriate) and the Council as often as circumstances shall require.

7.10 The funds of the Social Credit shall be under the control of the Council for the time being. The operation of this control may, however, be delegated by the Council to and exercised by any two officers from among the President, the Vice-Presidents, and the Treasurer, or by any one of these officers jointly with the Executive Director, and they may be empowered to operate the bank and post-office accounts of the Social Credit and to withdraw and deal with on behalf of the Council, any of its assets or property. Accounts shall be kept in accordance with the guidelines appropriate for a non -profit organization. The financial year of the Social Credit shall be the calendar year and the Treasurer shall be responsible for ensuring that the Social Credit's accounts are appropriately made up to the 31st of December of each year, for submission (after audit) to the Annual General Meeting.

7.11 The Council shall have the power to elect Members of the Social Credit, in recognition of meritorious services rendered to the Social Credit, to a seat on the Council and to take part in the proceedings of the Council and to vote at all Council meetings, but they shall not be taken into account in reckoning the quorum present. Each Honorary Member of the Council shall hold office as such for such period (not exceeding three years) as the Council shall determine, but shall be eligible for re-appointment. These honorary members shall be in addition to those allowed by Article 2 but they shall not be able to be an officer of the Social Credit.

8.01 An Annual General Meeting of the Members of the Social Credit shall be held in each year not more than fifteen months after the holding of the last preceding Annual General Meeting to:

(d) consider, and if necessary take action with reference to any business or motion of which due notice has been given;

(e) receive communications from members on any subject connected with the work, progress, or welfare of the Social Credit;


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