Quaker Universalist Conversations

My Vision for Peace and Justice 2017-2030

Eric Verzo Encina is a freelance writer, columnist, author, and organic farmer, and a campaigner for Social Credit monetary reform. He was born in 1970 in Mauban, Quezon Province, in the Philippines. He earned a two-year secretarial degree or course at Enverga University, Lucena City, with the support of his paternal aunts and his late grandparents.

While at St. Vincent Seminary in Quezon City, Manila, he studied the Social Credit Theory of Anglo-Scottish engineer, Major Clifford Hugh Douglas .1 Douglas and other writers have informed his economic justice advocacy since then.

For the past two years he and his family have been developing newly-acquired ancestral land in Mauban, Quezon Province, Philippines, for banana plantations and other plants. Bananas are now growing for the sustainable benefit of local family members and relatives.

Eric Verzo Encina I am a Filipino Ecumenical Christian layman, with a Catholic background and an interest in the Islamic teachings against usury or Riba. I believe that the love of God above all and love of neighbors are the common ground and intertwining solutions for the poverty and daily pressures of survival in the Philippines.

For more than twenty-six years I have advocated for a human/economic bill of rights, monetary and economic justice, equality and compassion for the poor and the needy. My hope is for government-created, debt-free money solutions, and for the distribution of dividend/supplementary basic income to every Filipino citizen without discrimination, and the provision of usury-free money to those who need it.

Like most Filipinos in the countryside, I am equally thirsty for economic democracy and alternative solutions for the sustainable survival of my fellows in the Philippines, solutions that would be equally for the good of all people in this planet.

Let us stop so many unnecessary debates and discussions on issues that never help the poor.

Let us put into action what are both socially desirable and physically possible solutions that can be made financially possible right away.

Let us take action now. Francis Bacon is correct: “Money is like muck, not good except it be spread.”

“Economic security” is interchangeable with “monetary security.” I have witnessed hemorrhaging debts, material and monetary poverty, hunger, malnutrition, violence, injustice and disorder in the Philippines and in many poor countries, all as a result of the absence of money and the lack of control of credit.

The present global economic system is debt-based. This means that virtually all money is supplied to the economy as a debt to be repaid, with interest, to the banking system, whether national or international (World Bank, International Monetary Fund, etc.).

Governments rely upon the majority of people going into debt simply to create enough money to supply the economy. Governments, too, must borrow from the banking system to fund public expenditures. Taxpayers must then pay back the debt and interest payments.

Note: In 2006, the Philippine government increased the Expanded Value Added Tax to 12%. The International Monetary Fund (IMF) has stressed the importance of the E-VAT law to reduce the fiscal deficit of the Philippines.2

I am concerned about the claim that there is no money to fund vital services, industries, or social and environmental projects, to help the poor and the needy, the sick, the disabled, the malnourished children and families and many others in great need.

How could governments become be able to supply money, debt-free, without having to borrow from the banking system?

How could money be based on the real wealth of society, its people, skills and materials, its natural and man-made resources, rather than on the profit made from interest on debt?

Eric Encina with farming workers
My own efforts have focused on creating local projects for sustainable survival for my wife, my growing children, my poor family members, brothers and sisters and their families, and other relatives, poor farming friends in the villages here in Capiz province and also in my home-town province of Quezon – here in the Philippines.3

Most poor families in Capiz province and to most provinces here in the Philippines are without any economic, banking, monetary access within the region, within the Philippines, without sustainable resources to make a living. Borrowing money at interest from the existing private and commercial banking institutions is impossible to most poor families.

Men are ordinary laborers, local and public transport drivers, tenant farmers—landless, oftentimes, under employed or unemployed. Women are exploited by prostitution both here and overseas. Many poor Filipino women work overseas as domestic helpers or as entertainers in Japan and elsewhere, where they suffer cruelties and abuses.

If we could break out of the debt cycle, such efforts would enable us and our neighbors to gain economic security and peace.

I believe in God, His power, might and blessings. I pray for the blessings of peace and justice in the world for all humanity.

There can be no authentically just and peaceful world without economic and monetary justice, without charity in the hearts, minds and conscience of mankind. It’s time to give economic security to everyone from the cradle to the grave.

Notes & Image Sources

1 The Clifford Hugh Douglas Institute for the Study and Promotion of Social Credit: “A Canadian not-for-profit organization which is dedicated to: a) increasing the public’s general awareness of Social Credit ideas…and to: b) serving as a resource centre and relay point for those individuals and groups who wish to work under the Institute’s banner….”

Image: Eric Encina, from “The Monetary Reform Proposals,” The UsuryFree Eye Opener (6/4/2012).

2E-VAT: Brief History and Rationale,” by Senator Ralph G. Recto (9/30/2007).

The Expanded value-added tax (E-VAT) law was instituted as a measure to bridle the rising foreign debt of the Philippines and to improve government services such as education, health care, social security, and transportation. It forms part of the package of measures…to help shore up the government’s fiscal position and reverse the credit rating downgrade certain rating agencies had given the Philippines….

President Gloria Macapagal Arroyo stressed that this law may entail sacrifices in the short term due to the tax increase imposed on sectors of society but its long-term benefits for the country and the Filipino people will be immeasurable and far-reaching in the form of more jobs and livelihood opportunities, better social services, more infrastructures, less debt, and more and better financing for rural programs….

The International Monetary Fund (IMF) stressed the importance of the EVAT law to reduce fiscal deficit of the Philippines….

On the other hand, despite the nod of the Supreme Court, some lawmakers after still continued to study a proposal to delay the enforcement of the EVAT on power and oil, which is expected to make life tougher for Filipinos …. [emphasis added].

Image: Eric V. Encina with farming workers (courtesy of Eric V. Encina).

3 Here is an example of a project that would be practical for native farmers and would provide subsistence income. Though the estimated start-up costs may seem small, they are sizeable in our money-poor economy, especially if the funding is not available debt-free.

Organically-Native & Indigenous Pig
(Native Husbandry Pig Business Production)

“Philippine native pigs,” by Eric V. Encina Animal Livestock: Organically-native and indigenous pigs from the native pig/hog/boar breeders/raisers/ Filipino native farmers of mountainous villages and towns, believed to be near extinction here in Capiz Province and anywhere here in the Philippines.


  1. To raise and restore the propagation of native pigs/hogs/boars from piglets or partly grown-ups through treating these domesticated animals in a humane manner, without the use of chemical inputs and vaccination, and without so much feeding costs for trading and consumption purposes. Local feeding products will be made possible from the local sources.
  2. To aim high for alternative economic potentials through organic swine/hog/boar production in Capiz Province and to other provinces, here in the Philippines.
  3. To select good native pig breeds and to improve litter size, growth rate, meat quality, mothering ability, resistance to diseases, and the viability of the native Philippine pig farming for the long-term.

Background: The pig is one of the oldest domestic animals and has helped the survival of Filipino families over the centuries. According to Professor Liwayway H. Acero of San Beda College, the native pig breeding is very prolific, and on average the gilts could exhibit signs of sexual maturity as young as 4 to 5 months old.

They are having a low feed conversion ratio. Growing organic, native and indigenous swine reach 60 kilos more or less during six (6) to eight (8) months fattening period. This kind of breeding is very popular throughout the Philippine islands in most remote villages and provincial areas for broiled whole pig or “Letchon” during major occasions and holidays such as Easter Sunday or Feast days.

Native pigs can easily adapt to local condition and tolerate heat and cold environments, except in extreme temperatures. They are proven to be 97% resistant to parasites, such as ascaris and lungworms, and to diseases better than imported and genetically-modified swine livestock.

Economically speaking, native pigs could thrive and survive well through locally available feeds such as kitchen and farm left-overs and refuse, farm crop waste products and offal of livestock, with some supplements of rice bran, by-products of corn, wheat and chopped banana trunks, etc. They can cope with low quality feed and maintenance.

Potential demand of Product/Service: Buying piglets in a set of five female native and one male pig as breeder stocks at the cost of P3,000 (US$60) in Philippine Peso value each, and then raise them through organic feeding available in our village.

Estimated Initial Running Expenses:

  • Monthly maintenance at the infant six months to one year: P1,000 Philippine Pesos Value (US$20).
  • Small monthly allowance or share to assistants working daily: P1,500 Peso value (US$30).
  • Emergency/unexpected expenses for medical needs of the animals: P5,000 Philippine Pesos Value (US$150).
  • Miscellaneous expenses: P5,000 Philippine Pesos Value (US$150).

Projected Total Starting-up Cost: P43,000 Philippine Pesos Value (US$1,000).

Image: “Philippine native pigs,” by Eric V. Encina. They are either black, black with a while belly, or purely black or brown. Varieties include Ilocos and Jajajala. The Berkjala, Diani, Kaman, Koronadel and Libtong breeds were all developed from this breed.