bank, banca, banka, credit, credito, kredit, dug, debt, debito, financial, finanza, financije  economy, ekonomija, economia, tax, taxes, porez, fisco, tasse, mobile banking, mobilno bankarstvo  financial derivatives, financijski derivati, derivati finanziari, internet bankarstvo                         Crom Alternative Exchange Association 

Home System Detailed Info
  Crom System Info
 

By registering into the electronic platform of the Crom Alternative Exchange Association, you become user of services offered by this Association.

If besides user you also want to become the member of Association, in the main menu under the section "Personal Documents" you can find the "Association Membership Request Form".

Registration Types - Types Of User Accounts:

Man
Private Sector
Public Sector
Virtual Organization


- Without any discrimination and segregation on public or private sector, all human beings have one member account of a "Man" type.
Maximum account balance limit: 350.400 crom (40 years).

- Private sector is a part of economy made up of, and resources owned by private enterprises.

- Public sector is a part of economic and administrative life that deals with the delivery of goods and services by and for the government.

- Virtual organizations are the entirely unregistered organisations.



Transaction Types

Payment system is a collective term for mechanisms (both paper-backed and electronic) for moving funds, payments and money among financial institutions throughout the nation.
Technically electronic or digital money is a representation, or a system of debits and credits, used (but not limited to this) to exchange value, within another system, or itself as a stand alone system, online or offline.

Alternative currency is a term that refers to any currency used as an alternative to the dominant national or multinational currency systems.
Alternative currencies can be created by an individual, corporation, or organization, they can be created by national, state, or local governments, or they can arise naturally as people begin to use a certain commodity as a currency.
When used in combination with or when designed to work in combination with national or multinational currencies, they can be referred to as complementary currency.
Most complementary currencies are also local currencies and are limited to a certain region.

Sending and receiving mediums of exchange is a very simple and easy process with our methods.
By making transactions, croms are transferred directly into the account of the receiver.
The transaction will show up in the account history of both members, for the sender in red with a minus sign and for the receiver in blue with a plus sign.


- Crom initial credit
Initial credit on Crom account activation.
Transfer amount: 10,00 crom.
Enabled for all registration types.

- Crom monthly receivement
Monthly receivement from Crom System Account.
Transfer amount: 730,00 crom.
Enabled only for "Man" registration type.
Recurrence: every month, on the first day of the month.

- Crom account maintenance fee
User account monthly maintenance fee.
Transfer amount: 4,00 crom.
Recurrence: every month, on the first day of the month.

- Money conversion
Money conversion into Crom medium of exchange.

- Crom transaction
Transactions between users.

- Crom mobile transaction
Transactions between users from mobile service.
Max amount per day: 200 crom.

- Invoice
For more formal transfers of mediums of exchange, you can send an invoice.
An invoice is a document you send to another user requesting "payment" for a product or services rendered.
The other user will receive the notification under "new invoice".
If the receiver accepts the invoice, croms will be automatically transferred from his account to your account.
If the receiver refuse to accept your invoice, no "payment" will be done.
Both users will get notification of this.
All "payments" will be visible in your account history.
Invoice like a "payment" method is an ideal "payment" type to be used by public and private sector companies that need to send bills for goods or services directly to their customers.


Advertise Products And Services

You can place an advertisment for products or services.
The advertisment period can be chosen.
If the advertisement is permanent, you can select the "non expirable" option.

Search For Users, Products And Services

You can look for other users, products and services.
You can fill in various search fields.
You can also refine the search for products and services with the "advanced" search option.

Notifications And Interests

In the notification section, you can specify on what events you want to recieve notification messages.
These can also be Crom or e-mail messages.
At the "ad interests" section, you can register advertisement interests.
When the notification option for interests is enabled you will recieve messages when a new advertisment matches one or more or your interests.

Messages

Crom comes with a messages system.
It is possible to send and recieve messages to and from other users and the administration.
You can define if you want to receive the messages as internal "Crom messages" or/and as e-mail.

View And Set References

Often, you are interested in someone's offer, and you would like to know if the person offering it is reliable.
In this case, it can be useful to have a look at the experiences other members have had with this member.
This is possible via the reference system.
A reference is an expression of content (or discontent) given to one user by another user.
By selecting "view references" from the user profile page, you can view all references given to this user.
At the same page you can also add or edit your own reference for this user.
When you add a reference to a member an explanation in the commentary field/window is recommended.
You can also see your own given and received references.
It is clear that giving references to other members should be handled with care.

Documents

In the "personal documents" section, you can find a simple exchange agreement.
Exchange agreement is a contract between buyer and seller.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

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   Biomes And Ecosystems

 A habitat is the place where a population lives. A population is a group of living organisms of the same kind living in the same place at the same time. All of the populations interact and form a community. The community of living things interacts with the non-living world around.
 
Ecosystems are dynamic interactions between plants, animals and microorganisms and their environment working together as a functional unit. Ecosystems will fail if they do not remain in balance.
Every time we walk out in the wilderness or bulldoze land for a new parking lot, we are drastically altering an ecosystem. We have disrupted the food chain, the carbon cycle, the nitrogen cycle and the water cycle. Everything in the natural world is connected. An ecosystem is a community of living and non-living things that work together. We're all in this together. The water, water temperature, plants, animals, air, light and soil all work together.
 
Biomes are defined as "the world's major communities, classified according to the predominant vegetation and characterized by adaptations of organisms to that particular environment". Biomes are the world's major habitats. These habitats are identified by the vegetation and animals that populate them. The location of each biome is determined by the regional climate. Some climates are hot, some are cold, some are wet and some are dry. "Adapted" means that a plant or animal has inherited certain characteristics that enable it to live in one type of climate or another.
 
Over the past several decades, increasing human activity has rapidly destroyed or polluted many ecological habitats throughout the world.

 

        Trade

Trade is the voluntary exchange of goods, services, or both.
Trade is also called commerce. A mechanism that allows trade is called a market. The original form of trade was barter, the direct exchange of goods and services. Trade originated with the start of communication in prehistoric times. Trading was the main facility of prehistoric people, who bartered goods and services from each other before the innovation of the modern day currency. Modern traders instead generally negotiate through a medium of exchange, such as money. The invention of money (and later credit, paper money and non-physical money) greatly simplified and promoted trade. The first instances of money were objects with intrinsic value. This is called commodity money and includes any commonly-available commodity that has intrinsic value; historical examples include pigs, rare seashells, whale's teeth, and (often) cattle. In medieval Iraq, bread was used as an early form of money. In Mexico under Montezuma cocoa beans were money. Trade between two traders is called bilateral trade, while trade between more than two traders is called multilateral trade.
 
A market economy or free market economy is an economic system in which the production and distribution of goods and services take place through the mechanism of free markets guided by a free price system.
In a market economy, businesses and consumers decide of their own volition what they will purchase and produce, and in which decisions about the allocation of those resources are without government intervention. This means that the producer gets to decide what to produce, how much to produce, what to charge customers for those goods, what to pay employees, etc., and not the government.
 
Today, slavery is practised secretly.
The word slave refers to people who are treated as the property of another person, household, company, corporation or government.
The human merchandise, whether imported or domestic, is still paraded, inspected and treated like animals.
 
The arms industry makes its profits on the back of machines designed to kill and maim human beings.
Global military spending has risen more than 45% in the past decade, reaching $1.5 trillion in 2008.
Depleted uranium remains radioactive for literally billions of years, now is given practically free of charge to the military and arms manufacturers.
Radiation respects no borders, no socioeconomic class and no religion.
War can really cause no economic boom, at least not directly, since an increase in wealth never does result from destruction of goods.

 

      Justice

Where there are too many policemen, there is no liberty. Where there are too many soldiers, there is no peace. Where there are too many lawyers, there is no justice.
 
Justice is conscience, not a personal conscience but the conscience of the whole of humanity.
Those who clearly recognize the voice of their own conscience usually recognize also the voice of justice.
 
The history of the world is the world's court of justice.
 
The whole history of the world is summed up in the fact that, when nations are strong, they are not always just, and when they wish to be just, they are no longer strong.
 
Law and justice are not always the same. When they aren't, destroying the law may be the first step toward changing it.
 
Justice and power must be brought together, so that whatever is just may be powerful, and whatever is powerful may be just.
 
Peace is not the absence of war but the presence of justice.
 
Justice has nothing to do with what goes on in a courtroom; Justice is what comes out of a courtroom.
 
It is the spirit and not the form of law that keeps justice alive.