Capital And Its Advantages: Could The World Live Without It?

Finance, in the sense in which it is going to be applied in this short article, means the machinery of money dealing. That's, the machinery by which money which you and I save is put together and given out to people who want to use it.

Money therefore saved and loaned is capital. So finance will be the machinery that handles capital, collects it from those who save it, lends it to those that want to use it and consent to pay a price for the loan of it. This cost is known as the interest rate, or profit.

The borrower offers this cost because he hopes to be able, immediately after paying it, to benefit himself out of what he's planning to create or grow or get with its help. If it is a Government, it wants to improve the country's wealth by its use.

From time to time applicants want cash mainly because they have been spending more than they have been getting, and attempt to tide over a difficulty by paying one set of creditors with the help of another, rather than of lowering their spending.

This route, if followed far enough, results in bankruptcy for the borrower and loss to the lender.

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If no cost were offered for capital, none of us save it, or if we saved we didn't risk our money by lending it, but hide it in a hole, or lock it up in a storage space, and so there could be no new industry.

When it's misused, let's abuse it as heartily as we like, and take any probable measures to punish it. But let us recognize that capital, when well and fairly used, is far from becoming a sinister and suspicious weapon in the hands of those who have somehow managed to seize it.

It really is in fact so necessary to all kinds of industry, that people who have amassed it, and placed it at the fingertips of industry, give a service to society without which society could not be kept alive.

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