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    I’m a Londoner who moved to Christchurch, New Zealand in 2002. After studying economics and finance at Manchester University and a couple of years of backpacking I ended up working in the financial markets in London. I traded the global financial markets on behalf of investment banks for 11 years. In 1998 I decided to explore the underlying financial system in more detail and its impact on society. The results were startling! In 2000 I decided to leave banking and explore new opportunities. I helped start up Trucost, an environmental research company, exploring ways of placing a value on ecosystem services. In 2002 I moved with my family to Christchurch, New Zealand. Since then I have returned to University studying political science and helped start up another company, VortexDNA, which explores the science of human intention and its predictive abilities. I am an active Angel investor, mainly in clean tech and web 2.0, and also volunteer for local community organisation in the areas of finance and mentoring. I am always keen to make new connections and hear about new ideas. Contact me directly on raf AT sustento.org.nz

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    amnesty banking bank of england central banks china climate change credit credit crunch currencies debt economics ecosystem environment externalities federal reserve financial crisis food forex fossil fuels freedom future global warming greenhouse gas emissions human rights inflation interest intervention investing markets microfinance money money reform money supply mortgage new zealand oil p2p policy ideas politics repression reserve bank of new zealand sustainability systems un declaration of human rights violence
  • Recent Comments:

    • Joyce Sabel: interesting take on the subject, count me as a new subscriber!
    • Raf Manji: Michael, I sent you an email. Tom, Good to hear that you have taken an interest in this issue. And yes I...
    • Tom: I’ve only recently (the last 18 months) taken any interest in money and credit, I must admit what I am...
    • Michael Duerr: Dear Editor, who wrote the “Nationalise money not banks” article? I´m working on the same...
    • Neil: Hi Raf, Still not sure you’ve explained yourself clearly. As far as i know the reserve bank doesn’t...
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