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Pilosopiya ng Salapi

Underlying all financial activity are transactions involving money. The term “transactions” means something philosophically different in economics. It stands for exchanges of goods and services. Pera, in economic transactions, has only a transactional value. It plays the role of a medium facilitating the exchanges. Sa mga financial transactions, gayunman, pera ay nagiging entity na idina-transacted. Sistema ng Financial mahalagang ilipat ang pera mula sa savings at transforms ito sa kapital. Kaya pera tumatagal sa isang halaga ng pamumuhunan, bilang karagdagan sa kanyang intrinsic sa transaksyon sa halaga. Ang halaga ng pamumuhunan ay ang batayan ng interes.

Given na ang halaga ng pamumuhunan ay sinusukat din at ibinalik sa mga tuntunin ng pera, makuha namin ang paniwala ng mga tambalang interes at “paglalagay ng pera upang gumana.” Mga may demand na ang pagbalik ng pera batay sa panganib investment sila ay handa upang ipalagay. At ang papel na ginagampanan ng mga modernong sistema ng pinansiyal na nagiging isa sa pagbabalanse ito panganib-gantimpala equation.

We should keep in mind that this signification of money as investment entity is indeed a philosophical choice that we have made over the past few centuries. Other choices do exist — Islamic banking springs to mind, although its practice has be diluted by the more widely held view of money as possessing an investment value. It is fascinating to study the history and philosophy of money, but it is a topic that calls for a full-length book on its own right. Understanding money at its most fundamental level may in fact enhance our productivity — which is again measured in terms of the bottom line, consistent with the philosophy of money that enjoys currency.