Saturday, May 16, 2015

The Greek Debt Crisis and the psychology of post-modernization


As I write this post, the Greek government faces a deadline. It needs money from its European partners to counter capital flight from its banks, meet the demand of its creditors, and funds its activities.  The two sides disagree both on the terms of bailout, for example should the EU extend the maturity of Greek bonds, and on how Greece should restructure its economy and fiscal policy to regain its creditors’ and partners’ confidence. The Greek government, under the leadership of the left wing party, Syriza, raised the minimum wage, froze privatization and rehired public servants, all steps which contravened its partners’ demands for restructuring and austerity.  But Syriza was elected on a platform of resisting European imposed austerity and for good reason. Greek privation is significant. As of January 2015 the economy had shrunk by more than a quarter, incomes collapsed by nearly a third, and one in four Greeks — and one in two young people - were unemployed.
It is clear that an austerity program, even if successfully implemented will not help Greece significantly reduce a government debt of over 400 billion.  In 2013 Greece ran an export surplus of 1 billion. If it met its partners’ criteria of running a primary budget surplus equal to 4.5% of GDP, which is about 250 billion, its budget surplus would be about 11 billion. Adding the two numbers together, the export surplus and the government surplus, and assuming for simplicity that the value of the debt does not grow, it would take, 400/12, or 33 years at current levels of economic activity for Greece to pay off its debt. As Paul Krugman writes, “at this point Greek debt..is not a very meaningful number. After all, the great bulk of the debt is now officially held, the interest rate bears little relationship to market prices, and the interest payments come in part out of funds lent by the creditors. In a sense the debt is an accounting fiction; it’s whatever the governments trying to dictate terms to Greece decide to say it is.”
Moreover, as many economists have written, targeting the budget deficit as signal of the Greece’s fiscal discipline is misplaced, because when a government reduces spending, the economy contracts, taxes collected fall, unemployment benefits rise and the deficit may in fact grow, as happened from 2008 through 2010
                                                       Greece Government Budget



 
So what is the meaning of the political and economic pressure the EU has imposed on Greece? One conventional narrative is that the pressure reflects the unfair demands of a German government, ready to punish the Greeks for their profligate spending between 2000 and the Great Recession. In that period, Greek households borrowed money to import goods and services from the rest of Europe. Living standards rose but so did household debt. Moreover, in that same period, investment was limited and imports were greater than exports. In effect, as happened in the United States during the run-up to the sub-prime housing crisis, growth was fueled by debt.
But, so the story continues, consumer spending grew because cheap German loans financed Greek borrowing. The Euro's creation as a common currency in 1999 meant that lenders to Greek banks no longer faced a currency risk; the risk that at one time the Greek Drachma would depreciate as Greek consumers imported goods and services from the rest of Europe. Moreover, at the turn of this century, Germany itself went through its own difficult economic period. Called at the time the “sick man of Europe,” it experienced a recession, partly in response to the IT bubble of the late 90’s. Instead of spending, German companies and households focused on rebuilding their balance sheets, becoming net savers. German lenders therefore looked for new borrowers and Greek households were ready to take on new debt. So Germany, in this narrative, is responsible for Greek profligacy!
There is some truth to this story but I think it is too one-sided, creating a stereotype of the German as an oppressor without a moral claim, a familiar cultural trope, to match the stereotype of the Mediterranean Greek as lazy and profligate.
So, what in fact is at stake, and what accounts for the difficulty, severity and at times intractable conflict between Greece and its partners? As I write this post, the New York Times reports that, “Far from giving Greece a break, the Governing Council (of the European Central Bank) is expected to tighten the screws next Wednesday by placing further restrictions on emergency cash the central bank provides to keep the Greek banking system from collapsing.” I propose that we need to symbolize the situation as a Russian doll, where one level of reality gains its salience from the context that subsumes it.  We cannot understand the debt crisis without considering its widest meaning.
Consider for example that one simple solution to the Greek crisis is to allow Greece to implicitly default on its bonds, for example, by extending their maturity, reducing the interest rate, asking private creditors to take a “haircut,” linking principal payment to Greece’s GDP growth, and enabling the Greek banks to borrow money from the European Central bank (ECB) using devalued Greek government bonds as collateral. This would be a default in all but name. In fact, private creditors have already taken a substantial cut, and the ECB had accepted Greek government debt as collateral for Greek bank loans until this past February.  
But calling it a default, as opposed to a restructuring, suggests that the European Central Bank (ECB) has become a “lender of last resort” to all banks and private creditors who hold devalued sovereign bonds. This was the role the U.S. Federal Reserve bank played as a lender to those U.S. banks and financial institutions whose assets evaporated in the subprime crisis.  But if the ECB keeps public and private creditors whole, this means each European country becomes in effect “too big to fail.” The anxiety is that countries and their creditors will then experience few constraints to lending and borrowing in the future. This is why on Monday, May 11 the ECB stated explicitly that the, “Bank cannot act as a lender of last resort to countries in the Eurozone.”
This anxiety helps explain why in fact the “Troika”—the European Central Bank (ECB), the International Monetary fund (IMF), and the European financial stability facility (EFSF), insists that Greece restructure its economy before it gets its next tranche of aid, some €7.2 billion, even though, as one analyst notes, “Compared to what has already been disbursed, the 7.2 billion euros are a small amount.” In other words, the financial stakes are not high. Moreover, as he points out, the value of Greek’s maturing debt spikes this year, 2015, and then stabilizes through 2033. “It is thus surprising,” he notes, “that the Euro zone governments and the ECB put the whole exposure of their citizens to Greece at risk just for this issue.”
Moreover, the Eurozone governments, particularly Germany and France, have taken steps to reduce their own banks’ exposure to Greek public debt. As the French Finance Minister noted, “We have learned to build walls to protect ourselves, to protect the banking system to protect other countries which could become fragile. So Europe is much stronger. Europe has sheltered itself from turbulence. The danger is for Greece.”
In this sense the overhang of Greek debt has become a symbol, rather than the measure of a substantial financial risk.  But a symbol of what? One hypothesis is that should the European Central Bank become officially and explicitly a lender of last resort, supporting deficit spending countries, the prime minister of Germany, Angela Merkel, worries that the German people’s commitment to the grand European experiment of a single currency will weaken. One survey showed that Germans’ support of economic integration across Germany fell five percentage points between 2012 and 2013. Support in France fell fourteen percentage points!  I believe that Merkel’s personal commitment to the European project of integration is inviolate, and not for economic reasons alone. It has been a vehicle for strengthening the democratic practices of the post-Soviet Eastern European countries. It is also a symbol of a democratic capitalism at a time when China and Russia are developing the practices of an authoritarian version. 
But the economic difficulties facing Greece, Portugal and Spain are undermining Germans’ belief in the viability of an integrated Europe.  Indeed, should Greece’s debt be forgiven, or should it in fact exit from the Eurozone, “The German people," one analyst writes, would discover instantly that a large sum of money committed without their knowledge and without a vote in the Bundestag had vanished. Events would confirm what citizens already suspect, that they have been lied to by their political class about the true implications of ECB support for southern Europe, and they would strongly suspect that Greece is not the end of it. This would happen at a time when the anti-euro party, Alternative fur Deutschland (AfD), is bursting on to the political scene, breaking into four regional assemblies, a sort of German UKIP nipping at the heels of Angela Merkel.”
But should Greece default, would the Germans incur substantial losses on both private and public debt? Are their anxieties based on the prospect of material losses?  I suggest again that the threat to Germany is more symbolic than real.  During the normal course of business the Bundesbank is exposed to claims on Greek banks, as all the central banks of Europe net out their claims on each other every day. Like the Federal Reserve Bank, the ECB is the clearing and settlement house for all central banks. Writing in December of 2014, one writer notes, that Bundesbank claims on the ECB system as a whole, “Have jumped from €443bn in July to €515bn (though down from €750 in 2012-LH). He writes, “Most of this is due to capital outflows from Greek banks into German banks, either through direct transfers or indirectly through Switzerland, Cyprus and Britain.” To be sure, this represents 14% of Germany’s GDP, through in the event of the collapse of the Eurozone, Germany would be liable for only 27% of the debt, or 3% of its GDP. But should the Eurozone remain intact, as is most likely, these claims, as The Economist notes, “are merely bookkeeping entries.”  The ECB can effectively print Euros through Quantitative Easing, buying soverign debt to cover its central banks’ liabilities. Strikingly, while yields on short term Greek Government debt are very high, the yield on its ten-year bond has fallen over the past month, while the yields on other sovereign debt within the Eurozone have risen only slightly. The bond market is not panicked about the long run. 
Let me propose the following hypothesis. The sense of the Euro’s fragility is linked to fears that the European project of integration and modernization, writ large and beyond finance, is losing its legitimacy.  Indeed, from 1974 to 2004 belief  among Europeans in the European Union as a “good thing” declined. 







What is the basis for these feelings? One scholar suggests that Europeans increasingly resist the union because it has developed undemocratic practices of governance, that there is a "democracy deficit."  She writes, “In democracies public policy requires the ability to generate and sustain consent among the ones who are affected by a generally binding decision. Without such consent the European project will remain fragile. Besides, growing skeptical views on the European union will reduce the willingness of citizens to support the European integration process and to show solidarity throughout Europe” (p. 115). It is important to note in this regard, as two authors write, “Few nations sought popular support to create the euro. The German leadership avoided a referendum, and in France, the Maastricht treaty was passed with a thin majority of 51 percent.” Denmark voted against the Euro and Sweden chose not to joing the European Exchange Rate Mechanism (ERM)
It is also striking in this regard that just as Pan-European institutions have offered their citizens the prospect of an integrated polity extending from Portugal to Romania, there has been a countermovement of devolution and fragmentation, for example in Catalonia, Scotland and among the Walloons of Belgium. These are not movements against Europe per se but rather movements in the search of conditions of more local governance. As a Wikipedia entry on the 2014 elections to the European parliament notes, “These elections saw a big anti-Establishment vote in favor of eurosceptic parties taking around 25% of the seats available. Those who won their national elections include: UKIP in the UK (the first time since 1906 that a party other than Labor or the Conservatives had won a national vote), National Front in France, The Peoples Party in Denmark, Syriza in Greece, and second places taken by Sinn Fein in Ireland. Following the election, European Council President Herman Van Rompuy agreed to re-evaluate the economic area's agenda and to launch consultations on future policy areas with the 28 member states.” Moroever, David Cameron, the winner in the recent British elections for Parliament has pledged to hold a referendum on Britain's membership in the EU. In this sense, we can say that Greece has become a symbol of a much wider process that is undermining the European Union’s political and psychological legitimacy.
This development is striking because the original European Common Market was a triumph. It was an instrument for rebuilding Europe after World War Two, for modernizing the continent’s economies, for securing the peace between Germany and France, for resisting prospective Soviet incursions and-- by sustaining welfare state policies -- for reducing the political appeal of indigenous communist parties, particularly in France and Italy. To be sure, it originally consisted of only six countries. But its success demonstrated that countries could modernize by integrating their economies. This conception was based partly on the United States as an example of a country that developed economically by expanding from "sea to sea." The question is why would this modernizing and integrating thrust be jeopardized today? What delegitimizing process is at work?
It is interesting to look at the Greek economy and society here. There is a general consensus both among Greek and non-Greek economists and sociologists that Greece harbors an only partially developed economy. Compared to the other advanced economies in Europe, Greek wages are low, but not as low as it prices, so that production costs are high while the profit share of national income is relatively low. As the following table from a Mckinsey report shows, Greeks work more hours, earn less income and are strikingly less productive than their European counterparts.  This is partly due to the fact that Greek workers support a proportionately larger number of people who do not participate in the workforce, one result of its generous pension system. As one analyst writes, “The average age of retirement age in Greece was 61; in Germany it was 67.”

US

EU

Greece
GDP per capita
$46,000
$35,000
$31,000
Dollars per hours worked
$58
$49
$35
Hours worked per capita
793
706
882
Hours per employee
1,700
1,600
2,100
Participation rate in labor force
74%
73%
66%
                  
There is a sense in which Greece retains some of its pre-modern cultural characteristics.  Both Greek and Non-Greek critics refer to what they call the culture’s “clientistic” sense of government and its services, which enables interests groups to exploit government programs to increase their own standing and well being, for example through patronage, bribes, special favors, tax evasion or avoiding license requirements. Lacking is a sense of the government as an impartial arbitrator, setting standards for efficiency and supporting economic development. As one Greek critic notes, “Greece is ranked 69th in the world on the Corruption Perceptions Index 
alongside Bulgaria, Italy and Romania. Greece also has the EU's lowest Index of Economic Freedom and Global Competitiveness Index, ranking 130th and 81st in the world respectively. Citing a Transparency International study, he notes that, “In 2009 alone, the Greeks paid an average of €1,355 in bribes for such services as speeding up the process of obtaining a driver’s license or building permits, getting admitted to public hospitals, or manipulating tax returns.” Greece also has the largest informal or shadow economy in Western Europe, and as a result a very poor record of tax collection.  This is one reason for its persistently high budget deficits.

Similarly, a 1995 study of Greek family life, suggests that, “although affluence has been increasing in recent years, the traditional extended family has not decomposed into isolated nuclear families, but has changed its configuration. Its morphological equivalent is the extended family system in the urban setting with a continuation of contacts with its network of kin. Indeed, in comparing the frequency of these contacts with other cultures, Greece has one of the highest rates of visits and telephone contacts with relatives.” The scholar goes on to note, “This explains why such a large proportion of Athenian families live in the same apartment building.” To be sure, this study is two decades old, but it does suggest that when Greece households began to run up their debt at the turn of this century, Greek family life had some of these pre-modern characteristics, with overtones of attachment to kin displacing attachment to the polity. This is why they could exploit government services. [1]

There is little doubt that Greece must modernize its economy, but let me propose the following hypothesis.  Greek resistance to modernization, for example reducing pensions, privatizing industry and increasing productivity, has stimulated some wider anxieties about what we can call post-modernization or what some critics call, “Neo-liberalism.” This trends and its vicissitudes are germane to all advanced capitalist countries. In this sense Europeans, as well as observers in the United States, are projecting onto Greece, feelings and anxieties stimulated by their own emerging difficulties.

Consider for example, the experience of Germany when, at the turn of this century, it was characterized as, “The sick man of Europe.” As one German journalist wrote in June 1999, five months after the Euro was introduced, “The social-market economy devised in Germany after the Second World War, with its careful blend of market capitalism, strong labor protection and a generous welfare state, served the country well for several decades. But it is now coming under pressure as never before. As economic growth stalls yet again, the country is being branded the sick man (or even the Japan) of Europe. ”
The journalist goes on to catalogue a host of obstacles to efficient market functioning, such as, “a byzantine and inefficient tax system, a bloated welfare system, excessive labor costs” and the disincentive to hiring workers because the cost of firing them is too high. “Getting rid of workers is costly too. Severance pay is typically a month's salary per year worked, plus generous retirement pay-offs for older workers. ‘The jobs market doesn't really deserve to be called a market,’ says one disgruntled company manager.’” Moreover, he writes, “Germany is still smothered in regulations that crimp markets. Many prices are still regulated, and consumers remain “protected” in bizarre ways: shops can be fined for discounting or making three-for-the-price-of-two offers if these are deemed to send confusing signals to consumers.” Shades of Greece!
One response to this economic crisis was that labor, business and government together agreed to progressively dismantle the system of centralized wage bargaining by industry, so that wages would be set according to local conditions, in others words, to further “marketize” the labor market.  As two authors write,The fiscal burden of German reunification, coupled with an immediately more competitive global environment, made it increasingly costly for German firms to pay high union wages. The new opportunities to move production abroad, while remaining still nearby, changed the power equilibrium between trade unions and employer federations, and forced unions and/or works councils to accept deviations from industry-wide agreements which often resulted in lower wages for workers.” One result was that from 2003 to 2007 unit labor costs in Germany fell (the green-lowest- line) while they rose in the rest of the Eurozone. 


This was also the period in which the German government “loosened” the labor market by lowering unemployment benefits, reducing welfare payments and, when the jobless fail to follow through on their commitments to look for work, cutting benefits. In other words, the Germans went through their own period of privation, of what the authors call “painful reforms.” Income inequality rose in this period as well.
John Kenneth Galbraith, the economist, published a book in 1967 titled The New Industrial State.” It proposed that Big Labor, Big Capital and Big Government, particularly in its instantiation as the Welfare State, oversaw national economic and social development. This was also the time when in Europe, central economic planning still appeared as a viable strategy for building economic wealth. [1] 
We could call this the “corporatist” form of capitalism. One way to interpret the German experience, and indeed the North American experience, is that countries today are dismantling corporatism. Today, Big Labor is losing its clout throughout the western world, and Big Capital, in the form of the global corporation is less vested in the interests of any particular locale or even country. Moreover, in facing the global competition for jobs and investment, states have less discretion over their welfare programs. The tripartite system of power sharing, which once characterized modern or advanced capitalism, has unraveled. I want to call this unraveling process, post-modernization, and suggest that the Germans have connected this new process and the social pain it stimulates, to the more classical challenge Greece faces in modernizing its own somewhat pre-modern economy and society. Indeed, facing post-modern conditions, Greece itself can hardly modernize by simply lowering unit labor costs or reducing wages. Its challenge instead is linked to the technical sophistication of its products and services. As two economists note, “German exports are concentrated in the most-complex products of the complexity scale while Greece and Portugal’s exports are concentrated in the least complex." The potential trauma facing Greece is that its economy is in fact outmoded.
 My critical reader may ask why I reference a process of “post modernization” rather than “neoliberalism.” The latter term is customary and proposes to describe a new phase in the developmental of capitalism, hence the term, “neo.”  It also carries with it a critical edge, suggesting that this new phase is perhaps not really new, that it simply represents a new form of classic liberalism based on our continued and even more pervasive subordination to market processes. In this way of thinking, by dismantling the welfare state, neo-liberalism returns us to the market of the 19th century. And today, all job-holders, facing uncertain prospects in the labor market, become the new proletarians.
I use the term “post-modernism” because the term “neoliberalism” does not express the broader cultural changes, the changes in sensibility that are reshaping Western countries everywhere. The rebellion of the Scots, the decline of big labor, Europeans’ resistance to the EU’s undemocratic practices, weakened state power and the marketization of society, are all cut from the same cloth. They reflect I propose, profound trends of decentralization and devolution at every level of society, and contests for authority in every institution. This is one reason for example that some economists focus increasingly on the city rather than the nation as the new locus of economic development. The city has become the hothouse for innovation producing dense networks of association among technologists, crafts people, service professionals, investors, and financiers. These networks are intensely local in character. That is one reason why it is so hard to “reproduce” a Silicon Valley anywhere else. It must emerge spontaneously or not at all. Density replaces scale.  
Nonetheless the term “neoliberalism” highlights the dark side of post-modernity and helps account for the resistance to an integrated Europe, often expressed by the right rather than left.  Should every person become a cipher in a network of market exchange, investing in his or her individual “human capital,” to hopefully survive the obsolescence of not simply jobs, but entire industries and professions?
Edmund Phelps, the economist, examines the decline of corporatism in advanced capitalism. He associates corporatism with “traditionalism.” Linking surveys of traditionalism with job satisfaction he finds that people in more traditionalist countries such as Portugal, Spain and France have less job satisfaction than people in less traditionalist countries such as the U.S., Denmark and Finland. 
                                                                Mean job Satisfaction

The survey used to construct the index of traditionalism includes such questions as,  Do you feel that service to others is important in life?” “Do you think that children should have respect and love for their parents?” “Do you think that parents have responsibilities to their children?” “Do you agree that unselfishness is an important quality for your children to have?”  As this set of questions suggests, we have to ask what price we are willing to pay for job satisfaction in particular, or for marketization in general.
My sense is that we carry within us a profound ambivalence about these developments. Job satisfaction may very well be a marker of an institutional world in which our skills and interests are acknowledged and respected, and we have a voice in the development of our settings. In fact, I believe this is true. This is perhaps the promise of devolution, localization and decentralization. But for the moment, this transition is very painful, nor is it entirely certain. After all, signposts of devolution are matched by indicators of the further concentration of power, for example by national security agencies, and by global financial institutions, for example the European Central Bank.
I suggest that we are projecting our ambivalence about post-modernization onto the Greek debt crisis. It has taken on a meaning that transcends the facts undergirding it. There is therefore a risk that decision makers and leaders will not take pragmatic steps to resolve it, falling prey instead to their roles in a symbolized conflict.
Observers have been puzzled by the provocative stance that the Greek finance minister, Yanis Varoufakis has taken in the ongoing negotiations. For example, he accused the head of the ECB Mario Draghi of being afraid of Germany’s hard liners. Draghi’s “soul” he said, “was filled with fear.” The day before I posted this blog he said that he wished that Greece, “still had the drachma.” Naturally, he has offended many of his counterparts, so much so that the Greece’s prime minister and his close collaborator, Alex Tsipras, has sidelined him in the negotiations. One conception of group dynamics is that participants are anointed to play symbolic roles in the wider drama that carries the cultural meaning of particular events. Of course they have to have a valence for such roles. As a self -described “erratic Marxist,” he may relish leading the fight against world neo-liberalism. But this is not really his battle, nor does he have the standing and resources to lead it. And the Germans, pressed by the stresses of their own post-modernizing situation may willingly take up the role of taskmaster for others. Where is the pragmatism?


[1] Indeed one reason, that Greece today has many state owned enterprises, is that under the direction of Prime Minister Karamanlis, the first post-junta prime minister and the founder of the Conservative New Democracy party, Greece pursued a policy nationalizing private enterprise as a vehicle for accelerating Greek economic development. While 35 years later, such an approach seems outmoded, at that time it was considered part of the normal practice of statecraft.

[1] This reading of the situation however is a partial one and in some sense unfair. One cannot separate the current Greek experience of government from its dark history. A military junta ruled the Greek people from 1968 to 1974. As one scholar recounts,The worst and most visible act of brutality came in November 1973 when students occupied Athens Polytechnic and university buildings in Salonika and Patras. Coup leader and post-coup Prime Minister (and eventually President) Georgios Papadopoulos sent in troops and tanks to crush the students; this was apparently carried out with extreme brutality and at least 34 students and others were killed, hundreds of others were wounded and almost a thousand arrested. The treatment of the students in Athens and other locations was met with extreme revulsion, and although not on the scale of the brutality carried out in the early Franco regime, this, along with the lengthy period of repression after the civil
war—Greece was ruled by repressive regimes for more than twenty-five years—may have been enough to convince citizens and civilian opposition from all political leanings
that an authoritarian government was to be avoided at all costs in the future.” In other words the image in Greek mind of central authority was one of toxicity. Moreover, when in 1980 the Socialist party, PASOK came to power it expanded welfare state benefits partly as compensation for the suffering and trauma that Greeks on the left had endured since the defeat of the communists in the aftermath of World War Two.



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  9. Are you in need of a loan. Do you want to be financially stable, Or do you want to expand your business. We offer company loan, Auto loan, Business loan,and personal loan at a very reduce interest rate of 3%, with comfortable duration which is negotiable. This offer is open to all that will be able to repay back in due time. Get back to us if interested with our Email: urgentloan22@gmail.com

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  10. Hello, Are you in need of urgent financial assistance for a personal purpose or for your business needs? Getting a legitimate loan have always been a huge problem to clients who have financial problem and need solution to it urgently. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. Be careful not to fall victims of various online loan scams here and eventually lost your hard earned money. If you need a credible and reputable loan for: Debt Consolidation, Business Loans, Personal Loans, Construction Loans and Car Loan for any kinds contact : (Email: finance@wburke-lendings.com) or website: http://www.wburke-lendings.com, Tel: +1 (646)-513-4428 Skype: wburke-lendings. No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dream come true.

    ReplyDelete
  11. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  12. We offer personal loans up to $100,000, Are you looking for a business loan and have been denied by a bank, we can help with loans from $5,000 to the maximum amount $100,000* that can help you rebuild your business and get you back ^, We can put you on a path towards a better financial future.

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    ReplyDelete
  13. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
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    ReplyDelete
  14. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
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    11.Monthly Income…………..
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    Regards.
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    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete

  15. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find Kumaresan Kahlil Loan Investment Company (feiyenloan@gmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application he wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact Kumaresan Kahlil Loan Investment Company For easy and safe Transaction.

    ReplyDelete
  16. Get THE 2017 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: blankatmcreditcard@hotmail.com and get your card today and live that luxury life you every dream to live.

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  17. Γεια Ψάχνετε για ένα επιχειρηματικό δάνειο, τα προσωπικά δάνεια, στεγαστικά δάνεια, δάνεια αυτοκινήτων, φοιτητικά δάνεια, τα δάνεια σταθεροποίησης χρέους, τα ακάλυπά δάνεια, επιχειρηματικά κεφάλαια, κλπ ... Ή σας έχουν μειωθεί ένα δάνειο από την τράπεζα ή το χρηματοπιστωτικό ίδρυμα για ένα ή περισσότερους λόγους; Εδώ θα πάρετε λύση σε αυτό το πρόβλημα, αρκεί να βρίσκονται επιλέξιμες για το δάνειο και άξια εμπιστοσύνης. Προσφέρουμε τα δάνεια από το ελάχιστο των $ 5.000 έως ένα μέγιστο των $ 10.000.000,00, προσφέρουμε τα δάνεια σε επιχειρήσεις και ιδιώτες σε ένα χαμηλές και προσιτές επιτόκιο 2%. Έτσι, αν σας ενδιαφέρει σε μια γρήγορη και εύκολη δάνειο. Επικοινωνήστε μαζί μας σήμερα: EMAIL 1: alexjack0813@gmail.com

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    ReplyDelete
  19. I have my ATM card already programmed to withdraw the maximum of $ 4,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 44,000. Mr Martins is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today by sending a mail to martinshackers22@gmail.com

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    ReplyDelete

  21. CHEVRON FINANCE FIRM is a branch of CHEVRON COMPANY that offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. You will never regret anything in this loan transaction because we will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their upstart. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that CHEVRON FINANCE FIRM is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans, car loans, hotel loans, and student loans, personal loans, Debts Consolidation Loans, what are you waiting for, why don’t you try. CHEVRON FINANCE FIRM is home and be free from debts any interested. Interested Applicants Should
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  22. Do You Need a loan…..?
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    ReplyDelete
    Replies
    1. God Bless Edward Jones Loans for Helping Me In Time Of Need {Jonesloanfinance@yahoo.com}

      Good Day I am Vanessa Cowen from California and i have a broken up business, until i found this company who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe funds they loan to me without any form of delay, i loan 180,000.00USD from the company at a very low interest rate of 2% to save my business and lots more. i first saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my funds was sent to my account within 24hrs, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them now via email : {jonesloanfinance@yahoo.com} OR Text him +1(302) 400-5278
      ......

      Delete
  23. Getting a legitimate loan have always been a huge problem To clients who have financial problem and need solution to it. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But.. we have made that difference in the lending industry. We can arrange for a loan from the range of $10,500. to $30,000.000 as low as 2%interest Kindly respond immediately to thisemail: armandotaylorloanhome@gmail.com Our Services Include the Following: Debt Consolidation Second Mortgage Business Loans Personal Loans International Loans Loan for any kinds Family loan E.T.C

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  25. Good Day Dear Loan Seeker,

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    ReplyDelete
    Replies
    1. God Bless Edward Jones Loans for Helping Me In Time Of Need {Jonesloanfinance@yahoo.com}

      Good Day I am Vanessa Cowen from California and i have a broken up business, until i found this company who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe funds they loan to me without any form of delay, i loan 180,000.00USD from the company at a very low interest rate of 2% to save my business and lots more. i first saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my funds was sent to my account within 24hrs, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them now via email : {jonesloanfinance@yahoo.com} OR Text him +1(302) 400-5278
      ......

      Delete
  26. DO YOU NEED AN AFFORDABLE BUSINESS LOAN OR XMAS LOAN TODAY?

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    ReplyDelete
  27. GOOD DAY LOAN SEEKER,
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    ReplyDelete
  28. I am private loan lender/officer based in GH. I am looking to connect with individual and companies in need of loan assistance World wide. I give out easy, fast and non collateral loans. Write back to now via email to apply,if you are in need or have not yet been credited with one, i can help. NOTE: Blacklisted can apply too. do not hesitate to send your request to us via e-mail:(Williamspeter199@gmail.com) or WARSUPP me at +233264866768 or PH: +1(503) 773-9864

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  29. HURRAY !! THE AMEIR MILLER LOAN AGENCY END OF YEAR BONANZA IS HERE AGAIN !!!!

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    ReplyDelete


  30. HURRAY !! THE AMEIR MILLER LOAN AGENCY END OF YEAR BONANZA IS HERE AGAIN !!!!

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS FESTIVE SEASONS ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !

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    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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    Warm Regards,

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    Director of General Operations .

    ReplyDelete
    Replies
    1. God Bless Edward Jones Loans for Helping Me In Time Of Need {Jonesloanfinance@yahoo.com}

      Good Day I am Vanessa Cowen from California and i have a broken up business, until i found this company who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe funds they loan to me without any form of delay, i loan 180,000.00USD from the company at a very low interest rate of 2% to save my business and lots more. i first saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my funds was sent to my account within 24hrs, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them now via email : {jonesloanfinance@yahoo.com} OR Text him +1(302) 400-5278
      ......

      Delete


  31. HURRAY !! THE AMEIR MILLER LOAN AGENCY END OF YEAR BONANZA IS HERE AGAIN !!!!

    DO YOU NEED AN URGENT LOAN FROM A LEGIT LOAN AGENCY WITH NO UPFRONT FEE FOR THIS FESTIVE SEASONS ?HAVE YOU BEEN SCAMMED BEFORE BY VARIOUS FAKE ONLINE LENDERS? DO YOU NEED A LENDER WITH THE FEAR OF GOD AND ACCURATE EXPERTISE TO HANDLE YOUR FINANCIAL WORRIES ? IF YES , YOUR ANSWER COMES NOW !

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    We have various kinds of loan offer programs which ranges from Business loan service, . Agricultural product loans , Building loans, Developmental loans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan,Military Personnel loan. ,Estate developmental loan.,Property loan. ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured
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    Warm Regards,

    Pastor Mrs Ameir Miller
    Director of General Operations .

    ReplyDelete
  32. Hallo Freunde, ich möchte ein sehr großes Dankeschön an John Brown sagen, ich bin Frau
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    ReplyDelete
  33. Hello Friends, i want to say a very big thank you to John Brown, i am Mrs
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  45. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

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  46. My name is Mrs Abigail Mills we are a new legit loan lenders of 2018 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

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  47. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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  48. Greetings..
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  50. Hello Everyone

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  51. Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2018 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com

    ReplyDelete
  52. Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my bank that there is money on my account. Today i am very happy i have never been scammed before and i received my loan once so now i am happy and me and my family us going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

    Once again i remain Maksims Odincovs

    ReplyDelete
  53. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

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  54. Hello Everyone

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  55. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

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  56. Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2017 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2016 and we are in 2018 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

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  57. My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com

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  58. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

    finally i am really happy and can start my own business now. Thank you once again Abigail you are great and God bless you and your company.

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  59. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very sucked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

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  60. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com.

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  61. Hello Everyone

    I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.

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  62. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and i thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who read my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  63. My name is Leo Daniel Archer and i am from Australia i live in a city of Sydney. Have been looking for a loan online since can not get a loan from my bank and have only found people scamming me of my money. Last week i was scammed by a loan company and God know i was ready to end my life but i said to my self let me try and see if i will see a honest company that was ready to help you. So i settled down and search for a company and i read so many good comments about this company Abigail Mills and i said let me apply and see if i will be lucky as other people i was afraid but i gave my self a chance and i applied for a loan of $80,000.00 i explained to this company that i have been scammed and they told me not to worry that they will help you that they have helped so many people from my country before. So i gave this company a chance and they assured me that in 8 hours time i was going to be with my loan i did not believe but i waited for my loan. In exactly 8 hours time i received an alert from my back that my account has be credited with $80,000.00. All thanks to Abigail Mills this company is God cent. And i made a promise to my self that i will testify this company on how they helped me this company do not know am doing this now that am telling people on the internet how they helped me so everyone if you need a real loan Abigail Mills is here to help you do not be fooled by fake people who clam to be lender. I almost forgot you can only contact this company via mail and there contact details is abigailmills.loans227@gmail.com. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only one's that can help solve your problems.

    ReplyDelete
  64. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com Thanks to anyone that will read this message this company does not know am doing this i am only doing this for people in need of a real loan to be safe.

    ReplyDelete
  65. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  66. Abigail God will bless you and your company

    My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Chicago and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com

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    ReplyDelete
  67. My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

    ReplyDelete
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  74. How i got my Desired Loan Amount from a Reliable Loan Company (Morganinvestment10@yahoo.com)

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  75. How i got my Desired Loan Amount from a Reliable Loan Company (Morganinvestment10@yahoo.com)

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