It is not a dangerous 0% minimum reserve requirement, but a bank is a very dangerous institution. Banks seriously affect social problems by inhibiting the circulation of money and inhibiting the use of money maximally and proportionally. Interest plays an important role in causing a crisis. The current global economic system is controlled by capitalist-created banks. Where rich countries suck the blood of poor countries with interest loans. The bank destroys the fundamentals of human life which are fundamental, namely helping and helping each other.

Interest makes money as a commodity. so that the function of money is as a medium of exchange (medium of change) does not work. Capitalism economy is a system that makes money as a commodity, where the money is traded. This is very vulnerable to an increase in the value of the dollar which in turn has caused disasters in many countries. The process of decreasing the value of the local currency is very short which in turn destroys the economy of a country and of course, impoverishes the people.

So in conclusion, interest is proven to create a crisis and impoverish because it opens up opportunities for speculators to make speculations that can lead to economic volatility in many countries. A side effect that is felt is the accumulation of assets in large numbers and controlled by a handful of people. While the majority of people do not get a source of life.

Interest rates also affect investment, production, and the creation of unemployment. The higher the interest rate, the lower investment. If investment decreases, the production also decreases. If production decreases, it will increase unemployment.