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Making funds a little more interesting
Published on April 19, 2004 By Shulamite In Politics
The US should not send aid to Iraq in the form of grants, but rather in the form of low interest loans. Our country has never shied from loans or even borrowing from ourselves. We are rich in resources and we use those to fuel our country and economy – we then use those booms to repay our loans. In theory, anyway. We have a huge debt. Yet we, being one of the most generous countries and populaces, are always giving grants and aid to foreign countries.

Iraq is a resource-rich country. We’re not talking a country devoid of wealth opportunity. The only sensible thing we can do is to make our aid to them a loan. A low-interest loan is a good way to help the country get on its feet without being tyrannical. Also, the low interest rate would make it much more likely to be paid in full in a reasonable period. At the same time, we could use the income from the money we’ve invested in the country to pay off some of our debt. We’re already investing American blood, resources, and wealth into freeing Iraq; I think expecting more than just a safer democracy in the region is not much to ask. A small return on the monetary investment is just a good business strategy.

Does the loan officer you always work with care about you? If you’re in a small town like me, then chances are they do. What about your investor? But you still pay them for their services, right? I think taking interest for the money we’ve invested in them as well as expecting full repayment of funds loaned is not rude or heartless. We do not care any less about them. I think it’s just smart business.

Besides, I’d rather Iraqis retain pride in the matter. Arabic businessmen are very shrewd and work on pride, just as businessmen/women of any nation. Knowing that the country is repaying a loan leaves them less kowtowed to the US in the end. I know in Foreign Policy World, having a nation owe you something is a good thing, but I think letting this nation retain some pride is a more worthwhile achievement and will keep our relations much healthier in the long-term. Loans say “formal.” Grants say “sugar daddy,” if you’ll pardon the expression.

Therefore, based on what I know of the Iraqi culture and my (admittedly limited) knowledge of the situation, the US should loan rather than grant the Iraqi government rebuilding funds.

Comments
on Apr 19, 2004
So you're saying the oil will be used to benefit the US's coffers?
on Apr 19, 2004
The sale of it, sure. I suppose just as much as any industry here benefits the pockets of those to whom we owe loans with interest. The money would of course have to go toward our defecit in fighting the war. You see, its actually more of a way to balance our cost. It's not so much a charity cause to them and we don't go flat broke over it... What do you think?
on Apr 19, 2004
Gee, who says war doesn't pay? No conspiracy theory here.

Great post Shulamite.
on Apr 19, 2004
Thanks, Def...
on Apr 20, 2004
Yet we, being one of the most generous countries and populaces, are always giving grants and aid to foreign countries


You need to be careful with this sentence. The US actually gives has a very low level of foreign aid. Only 0.1% of GDP versus the Western average of 0.7%. The facts don't back up your statement.

To answer your question as to why not loans? Well for starters Muslims have strict moral laws about finance and interest in particular. This makes giving any loans very complicated. Secondly, the US did invade Iraq and as such has legal responsibilities. Stripping Iraq of resources to pay for a US occupation would not do much to help the current situation.

I do agree with the basic question though. Are there better ways of funding this work? I personally believe that more transparency is needed in the entire process.

Paul.
on Apr 21, 2004
Good point Paul. I know that under Jewish law, all debts must be repaid in seven years or forgiven. Could be similar. However, we're pretty good with litigation loop holes and I imagine we could find a way to appease even the strictest of moral codes.

Oh, and my statement was referring to how generous our people are in general. I've read (forgive me not being able to quote the source) that we are by far more generous with our money as individuals than individuals in other countries. Aye, we don't share their tax burden, but we're getting there. We give so much of our money away privately. As a whole, I think that makes our nation a generous nation. We want to see other nations helped. And I did say we could loan it at a low interest rate... I'm not advocating breaking their backs. Although the prices we've paid for oil at times has been atrocious... with all the proceeds going to Saddam's pockets. I think paying for the use of ready cash to rebuild Iraq at low interest is a fair deal still.

And you're right; there probably are better ways to fund and we need to know more about what is going on.