Sunday Forum #3 - Loan System and Banking System |

Published in Afghanistan - Financial analysis - 30 - 11 Feb 25 05:15

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Greetings to every player of our community,

More than one week has passed since the last Sunday Forum article. This week we could not open article in Sunday so sorry about delay. This Weeks subject is Loan System and Banking System.

Since we gathered some ideas about loans and banking system, we want to hear more from you our beloved players.


Loan System

- With loan system we will disable GOLD donation for players each others. You can still trade via contract or country markets.
- With this was we will create more transparency system and more fair against multi and bot accounts. (Yes we are banning them but do not forget there is no perfect system to avoid these)
- Loans are with %0 interest rate, Giver and Taker can not ask more or less. This is for helping not profit for players.
- Loan can be paid anytime, partially or at once.
- Max repay day limit is 40 days.
- Loans will be shown publicly in givers and takers profile.
- If taker could not pay in time, system will pay in deadline whatever is the player has.

So be careful whoever you are giving loan.


Banking System

- You need to buy banker licence which is 200G each month. (This is required for Giver not Taker)
- You can give loan with interest rate which is min %3 max %15.
- Repay times are 30-60-90 days.
- Again taker can pay partially or at once in deadline but even if he closes his loan early, there will be no discount on interest rate.
- This deals are private will not be shown on players profile.
- If player can not repay in time, system will start degrade his/her company to pay, if it is not enough it will temp ban the player for 15 days.
- System (Game) will get %1 of started amount as fee from taker and when loan is paid another %1 of total amount from giver.
(For example, 10.000G loan with %10 interest rate. Game will take %1 which is 100G and give the rest to loan taker 9.900G.
When taker repaid his debt which is 11.000G , game will take %1 which is 110G and give 10.890G to Giver.)
- With this system, new players can get loan meanwhile big players has guarantee (sort of) to get their investment back.
- With this system there will be no more AFK sitting 100k gold on accounts and gold will be in game economy.
- It is a win win system.


** WARNING !!**

This is just idea, not decided anything, we just want to see your opinions and contributions about subject. We are trying to put new perspective for our players to enjoy economy module.

Please share with us your opinions and thoughts.
Have a nice week !




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Comments (30)

11 Feb 25 05:21
Valuk

k

11 Feb 25 05:21
eDarthVader

Why would the game take the fee? Countries of both parties should take the fee.

11 Feb 25 05:24
Sadbutsure

Give it give it right now so i can start earning gold from gold just like a real jewish ✡

11 Feb 25 05:27
Bloody Avenger The Turk Wiper

if player can not repay in time, system will start degrade his/her company to pay, if it is not enough it will temp ban the player for 15 days this is bad, we need something else for punishment

11 Feb 25 05:42
Ivannn

По лош си од поплава и земјотрес заедно

11 Feb 25 05:50
ambru

Admin how to move org

11 Feb 25 05:51
Nebula

If you really care about the game and want gold loans to be transparent, make a transparent system, but stop making profit from it (200 gold for a license, 1% of the loan).

11 Feb 25 06:05
Sr Iki

I’d like to present an idea—not exactly about loans, but rather about the economic aspect. Without donations, we affect a countrys economy. The president would have to handle everything alone and wouldn’t be able to delegate monetary market matters, which should be managed by an economy minister, as well as the creation of state-owned companies. This is a very important topic. We’ve already developed the concept that the state can provide weapons, but as a state, it cannot produce them. More research should be done on establishing state-level infrastructure, such as production companies. A good option would be to have a **state-owned ORG**, managed exclusively by the CP and their ministers. If the government changes, the ORG would remain tied to the country and couldn’t be moved. This ORG could have the ability to supply weapons for battles, serving as an effective way to utilize state-generated funds. I have an article on state-owned ORGs, but it would be great to gather other perspectives to refine and improve the idea. https://edominations.com/en/article/36997

11 Feb 25 06:08
Chicho John is here

Do whatever you want. I dont care anymore.

11 Feb 25 06:09
Admin

@Sr lki thanks for your article I will check it soon

11 Feb 25 06:56
kris124

Agree with eDarthVader

11 Feb 25 07:07
Kosingas

Good Job Admin !!!! Next step is MAKE JURNALISM ALIVE !!!

11 Feb 25 07:14
dxla25

and what if we want to pay someone gold to buy us a pack

11 Feb 25 07:14
Winston Hope Smith

I think this is fine Except Governor MoD should be exempt. eg In Ireland we have refund scheme for those who start RWS At the moment I as MoD am supplied by Governor and I pay those who start. Now suggested system means the Governor ands myself (MoD) need Banker licence. That limits what Government can do to support players do work of the state.

11 Feb 25 07:40
Admin

I think everyone got mistaken this article, guys this is not implement, this is for gathering suggestion about the system

11 Feb 25 08:27
Old Fashioned

No give away gold for the last week? Now, lets talk about banking system it looks a good solution but have to take into account some things: 1. Bankers licence is to high. It could be 50 to 100g tops 2. The Bank must be central, which means player X gives Y amount of gold with interest rate 10%. The system binds the gold from players profile until find a taker or giver removes his offer. 3. Taker and giver must know who is the giver and taker. 4. Limits on Givers offer, like 10.000g or 20k tops no more 5. Gold from treasure can not be acceptable. Even if player A has the money and distributed them among other players, lets say he gives 12k in 2 or 3 other players . these acc can not insert them into backing system. 6. Taker can not take more money than the amount of downgraded gold of his own companies, such us 3k worth from downgraded comps. Or if he has ORG companies or he could put commodities as collateral like 100k air. The value of whom it could be determined by the average contract price minus 2-3g, like 20g/k minus 3g equals 17g/k which values them at 1.700g. 7. Taker can not sell or downgrade comps durring loan time. 8. Giver could take his money plus interest after half of the days loans life 9. At the last days of the loan if taker does not have at least 75% of the loan, the system will bind commodities from his acc as a collateral. 10. If the money of giver does not find a taker, those money after 30 days will receive interest 0.1-0.03% until will be given. Max amount of interest would be 50g, after that no interest will be added or it might have negative interest in the total amount. Player much me notified 10 days at least for these 2 actions

11 Feb 25 09:36
SivaneIi

I think its more promising to review the weekly prizes at the moment. Compared to the development of the game, the prizes are already ridiculous. Please review and change something. Add more energy, for example, and you should also add prizes for daily missions. As for the loan, I think charging interest is a bad idea for the game and add a percentage of the profit.

11 Feb 25 09:37
Nebula

They already said refund. Also, there is one more detail to consider - budget loans. For example, in Georgia, three accounts now have budget debt ...

11 Feb 25 10:08
stiner

Please dont regulate everything...enough of the stupidity in real life...

11 Feb 25 10:41
Lesley

How I am supposed to sell packs then? 😔

11 Feb 25 10:59
Luani

I think its better to limit loans, ex max 3000 gold for month. If I can send to 3 account I must divide 1000golg to account. 3000 gold is ABM ICBM.

11 Feb 25 11:02
Luani

Can you take a look to all wapen productions increase them little more.with new AC we need more and. The same with all countries productions .

11 Feb 25 12:29
Arm007

Its an interesting idea, but in this game, we pay gold to players who have installed DS, hospitals, or started RW for us. Either by selling cc in large quantities to others or sending war equipment below market price for special operations. In addition, I have given loans to many players who have not yet paid the entire loan, so removing the gold sending will make them unable to pay their debt. Although removing the gold sending is not an interesting idea, the loan payment and banking system was perfect and I enjoyed it. I also have one objection and request. Iran only had one female player named Afriend, ID number 26219. I had lent her 8000 gold to buy Strength Pack, she had returned 1000 gold and was trying to repay the rest of the loan, but because of her mistake (advertising another game), you permanently banned her. Please give her another chance to come back to the game and be able to repay her debt.

11 Feb 25 17:44
Martinsan99

DIsagree

11 Feb 25 18:36
NAAAZ

I like both system, the loan system help us too much but I have some question: what will happened if the player will be banned?

12 Feb 25 01:39
APIS

dont like :(

12 Feb 25 02:59
Bloody Avenger The Turk Wiper

keep this current system and just keep banning multies

12 Feb 25 09:08
Coloro

They should give more importance to the government. For loans, creation of weapons and bread. More responsibilities to the ministers, etc.

12 Feb 25 12:11
APIS

Suggestion: Instead of banning destroying companies, take the gold when the user has it, for example, sold 1k air, got some medals, etc Good Stuff: ✅ Stopping direct GOLD donations helps prevent bot abuse and multi-accounts. Public loans also make everything more accountable. ✅ Instead of players just hoarding gold, it will move around in the game, helping both new and big players. ✅ 0% interest loans help struggling players while banking loans with interest let bigger players invest safely. Concerns Risks: ⚠ Some players might take a loan and quit, leaving lenders with nothing. ( so we need a good solution for it) ⚠ 200G per month it is too much. ⚠ The game takes 1% upfront + 1% when repaid. Over time, that’s a lot of gold lost, which could cause inflation issues. ⚠ Public loans are fair, but private banking deals might lead to shady transactions or market manipulation. The idea is so-so (my opinion)