i would disagree on this one. aquaponics is not the same as that ofw bank of yours. aquaponic is achievable. fishes are real. you say start from zero based cost? what about the fish? do they just appear on the water you put in the tank? nope. they won't. so you have to buy them initially.

how can the ofw bank function without initial cost? will the money flowing around to support educational plans just appear? nope. you'll need a system to make it appear and grow. aquaponics can survived, same with how fishes can survive in a small aquarium. but can a bank sustain without money flow? nope. this is not parable. this is reality. you buy fish, you put them in water, you feed them, they'll survive. you wont need to pay for tne air they breath since the moment you place them in a tank, you already gave them life and chance to multiply by simply replicating the environment where they live, though in smaller area.

while a bank. bank needs money and manpower. bank dont need air, it breaths on money. and people needs assurance that their money can grow. money and fishes are not the same species. money gone is a problem, fish in the tank dies, who cares. and ofw worked so hard to earn money. show me how to convinced them to deposit a penny to your bank.

you always say think out of the box though you keep on saying its not for everyone. you are already diminishing the ideas you started. aquaponics is okey with me. but saying that a bank will survive without money is a senseless debate.

let me point out why:

[COLOR="#FF0000"]as you posted and thinking out of the box,

Do you want to be part of a bank without investing anything? ZERO outlay?

Do you want to see how your bank is being managed in “real-time” and transactions that unfold before your eyes, , access documents anytime?

Do you want to have a bank of your own that will help you run your business, provide reasonable loan rates and nurture and guide you through your growing stage?

Do you want to be part of a bank that will help you build your quality homes in quality subdivision developed by OFW-developer, financed by OFW-Bank?

Do you want to be fully aware of the SALN of your bank officers, their wives, their children? Your bank officers are paid higher than industry standard. Transparency in the Internet.[/COLOR]

investing with zero outlay? how? and why would there be SALN when there is no money involved? where will the money for loans and housing come from? and how will the bank maintain a system that needs serious programs to monitor transactions? pay for internet bills, infrastructures and equipments?

eh sa start pa lang gastos na nakikita ko dyan. and you add pa na you'll create your own rules? anu ba to? lokohan? im just being realistic. dont compare aquaponics since its realistic enough. how will you go about answering your own questions about this ofw bank of yours? and don't tell me you never needed permit to start your own aquaponics business. i may have to ring BIR for that, and even BFAR.