Introduction

Voluntary or paid activities are the two limits of participation. In modern economy the voluntary looses ground as exchange and credits become geared to cash and cash is geared by economy, thus those who are weakly positioned in the market economy, are poor or can not find an effective cash income have many of their needs left unanswered.

Even in the middle classes when economy booms it boosts exchange and when it declines it restricts human activity and exchange bringing gloom and disper. Is there a way out of this dilemma for modern society? Can we have an accountable exchange and credit system based on direct human participation creating its own credit complimentary to the cash system to fill the gaps and permit each member of society to a credit economy to exchange services at community levels?

We have through our long term engagements with community development goals at local level found the way of establishing a local exchange and crediting system based on  "Human Activity Value Economy HAVE: "H"