Simple Swedish Podcast - #294 - Hur pengar skapas

Episode Date: September 5, 2025

Har du någonsin tänkt på hur pengar blir till? Finns alla pengar redan, eller produceras dem av staten eller bankerna? Lyssna på det här avsnittet och lär dig både hur pengar skapas, och några viktiga ord på temat! Transkript Hallå, hallå och välkommen till Simple Swedish Podcast. Och idag ska vi prata om pengar. Vi ska kanske lite mer specifikt prata om hur pengar skapas. Alltså, ja, hur skapas pengar? Hur blir pengar till? Alltså, vem. skapar pengarna? Vem gör pengarna? Vem producerar pengarna? Hur. Ja, så det ska vi prata om idag. Väldigt, väldigt intressant ämne för jag tror att det är väldigt många som kanske inte vet. Jag visste inte. Men det är ganska galet faktiskt. när man tänker på det. Så först av allt ska jag tacka några nya patrons. Och det är Hani, Victor, Rob, Kris, Henry, Sviatoslav, Jayme, Daiana,  Paul, Helen, Jorge, Henri, Varpu-Liisa. Förlåt om jag uttalade något namn fel. Och först av allt ska vi gå igenom några ord som är viktiga för att förstå det här. Och det första ordet är ett lån. Så ett lån, det är vad du får av till exempel banken. Så om du ska köpa ett hus och du inte har alla pengar för att köpa huset, då behöver du ta ett lån och det gör du hos banken, så du går till banken och säger att du ska köpa ett hus jag behöver ta ett lån och då förhoppningsvis får du ett lån av banken och det här lånet måste du betala tillbaka för att du står nu i skuld hos. ..om du vill läsa hela transkriptet, klicka här  

Hello, hello, and welcome to Simple Swedish podcast. And today, we're talking about pengers. We should, maybe more specifically, talk about how money is capes. So, yeah, how Scapas Pengar? How be Pengar To?

Also, who Scapar Ponger? Whom? Who, who does Pankar the, like, who, So, that we talk about

today. Very, very interesting emmne, for I think that there are very many who can't

not know. I, I'm not, but it's a little, it's quite, quite galate, actually, when you're thinking on it. So, first of all, I'm going to tacka some new patrons.

And it's, Hanni, Victor, Rob, Chris, Henry, Svetoslav, Jaime, or Scheiméme, Diana, Paul, Helene, Jorge, Henry, and Varpo, Lisa. Forlot, if I, utalade

something. And first of all, we go through some words that are important for to understand this. And the first word is a loan.

So, a loan, it is what you are, what you are, of, to example, the bank. So, if you should go to a house and you

don't have all the money, for to buy the house then you have you take a

loan and that you go to bank and you go to bank and say I'm I'm going to

buy a house I have to a loan and then and then forhopings

you get you a loan of bank and the this loanet must you

betal to back for that you are now in school at the bank

So, an skull have you when you have loaned money of someone

and it must it not be the bank it can be that you you

loaner out 500 to your compice okay now now

have your compice an school your compice is

shouldig you $500 Kroner So you loaned out $500

to your compis your compis loaned $500 of you okay

Now your your company your $500 kroner your your

compis has a school on 500 Kroner so Hanel

her must betal to back so it is a loan and

a Skuld and we say to be Scyldig, no-gon something. Yeah. So, we have also contanter.

So, contanter are, also, physical pensers, sedler and mint, also sedler, paperspengar

and mint, so these small metal pens, and that are contanter. And so we,

the last word is renta. So, So, renta, it is the, the, the, the, the, the, the, the, the, the, the, the, the, the, the, the, $500,000 in loan, and the rentan is, no, 25%, percent, I know, I don't know exactly what which is a normal renta but rentan is

the costnation for loanet can you say so you betal every month so you betal you rent on the loanet okay so it is renta so

and what are then then payers first and fremst for that is not quite so what are so what are

so So, you can say that Pengar is that that a society comes overreens on that

have a value and you can betal with, okay? So, so, pengar

is for to use as as betalning's medel, so we anvending for

things. And all must be overence on that we anvended this for to pay with and it has

this here, okay, the wordet is one thing, but what are the money, is it? For the we come overence on, just. So, if, we come overence

on that we can betala with with, with pennor, if we say that, oh, we can betala with pennor. If all are

overrens, all say, okay, I are more on it, I am overreense

with you all, okay, if all are overrens, if all are on all,

yeah, hold with one other then, then pennor, penor, for that

we are overence. So it is just that is so, to example, in, are all over-earns

on that we can betala with Swedish cronor and we have a central bank that calls for Ricksbank and Ricksbank

in Sweden, so Svary's Central Bank that is actually the world's elst central bank Yeah, a little cool facta so there

So central bank can you say Styr Valutan or have a little control on Valutan and so Valuta is a type of Penger. So, to example, Svanska Kronan is

an valuta. American dollar is an valuta. So we have different valutors in different lenders, oftenest. And, yeah, so And then we come up, committed overence on that we should be paid

me, whole simply. And then, um, then come the question, who can't people,

and how is money? So, for long, long ago, before it was banker, yeah,

then had people other, said to pay, you can't, but, maybe bitty

things with another or you can't maybe something something like

snackers as money, so snackers and scall of small of small

the you that you can hit in the so so there

there are different ways to use to use to use

and use money now for time so are very

much digital. And it is actually so that in Sweden is just about 1.5% of all the penguards, contanters. So, contanter outgare only 1.5% of all of all the payers. So, and it

that next all the pengers are digitala. And this will it little interesting. For it is Ricksbank, also Sweden's

central bank that are the contantern the physical pensions, sedlars and minten

that is the central bank the and produces and so but it is just a very little

a little a deal and you more and more digital and more digital

peng so who They're the digital Pemagena The digital Ponger

Allso it's just It's just as 1stor and nollor

in a computer and those and the Pemgars of

private banker or so call it Affair's Banker and in Sweden

is it to example Swedbank SCB Danske Bank Nordea Nordea

there There are there are different so affersbanker, also private-agged banker. And when you take a loan on a sort of an private-a-eged bank, then scapacus new pay. So, many maybe think, and I thought it also, that when you take a loan on

on the bank then, then then the bank money that's already have been, also you, someone another

has sat in money and banking has maybe an reserve and when the banken loaned

out money to you, so, so, so, so, the this

reserve or of other people's insated but so are it not but what

what actually is that when you take a loan then they're they're on a

button and new and new money can be from anything

so so so and and this is this is this is

kind of maybe maybe the whole economy bigger on this system. So all

take loan, the company can loan, you know, for to be able to build things, for

to be able to live, for to consumeer, for, so all all are loan

and it that that new things can be and then when you betal

back the loan then puff forsvinner the money again

so very interesting how this how this works so you take a loan

new and you get to back loan and the money and the

and the pengu the And then, then, then, then, then, then, you're So, you must bethaling of your money to bank, so you're going to, so banking, so bank can't pay money, through rentan, so, you take a loan, You betal Renta to Banken

Banking chenna Panker You betal to back The loanet Banking doesn't The bankers That you have But those penguble

To back But those Pemgerna And then And then And then And then And then

And then It'll be That it Goer Jemmpt U Also that It goes Jemmpt

out, it means that, okay, 100 crohner in, 100 and 1,000 out, 1,000 crowner out, 1,000 crowner in, so that it will no to the end, but

so so-enkel is it not, but all thing is so-clair very complex. So, to example, so,

so, wexer the economy for that people take more loan. so the more people loaner of bankers

the more more payers so for to get much money in system so must we loan a much also so it's

therefore that the loanen is the bigger and sametid as the economy and becomes

and be stronger Yeah So So Pengar and Sculd Waxer

Tessar And it is so We have Economic Tovvict So that it Beers More and more

And more And more And I will say Also That I am Absolutely Not

No one expert On how it money is but what I

know what I have I'm quite so that I have

said I have said so I will just say

that and and bank must so certainly so clart

follow some the the the so it there

can't a grand for how how much they have loan out

but what what what is that banker lot out very

much for that banker have you an incitement to

loan out also banker it is good for them to

loan out for them chaner you have the money on the rent on, and the more they're loaner out, the more renta

betal people to them. And that is better and better for the bankers, the more they loaner out if it not be a crisis.

For if people not can betala to back their loan then it so-clart a little

difficult and if many people not can betal back the loan and then risker you

the whole system at collapse and it will be sona financecriser inbland

so what are then what are the risker with this system For, for

there's it's controversial that private banks, private companies,

that they have the power to make to make for it is

much to be a much to make to be and are it

right that private actors can do that? Should it be

just the state that can do that? For it will be more and more private actors,

so affersbanks that's money. And an other risk is you that system is on

that the that sculder be bigger, that sculder are.

And then and then So if if if people and people and people

are loana then begin you money for to say that many

people betal back their loan but not many people take

loan then it that not so much money can't for

that not so many loanar but if if many people

betal to back their money then then they're in the penguans

so so so so so and then it be that

that that money that and system and then can

it also that very that very many lot tas

that people loaner very much and and to

example it can be a bubble, to example, with bosteader,

so people, many, many people loaner, many people, people are

much money for to buy and house, and therefore stiger prices, and,

but, but, without that it actually produceas something of value.

So, the worldet in market are are the same, but prices stiger and it'll be

much more more money. I'm, so I'm I'm making that I can't for clarer this so good when it comes in on

more, more complicated things. But, the slutsattens are in all all the fall that it's

interesting how money actually can't that's how it's from anything and then that they're when the loan

when the loan betalas to back and that economy can vexa and be stronger then

is it so also that it is better for people who who already have much for that

if I have much money and many people there, then I can so-clot loan a much more and there's for I have I time to

much more money. So, yeah, so is it, so, hope as you have learned you have learned

something interesting, and, yeah, and, and, yeah, and learned there some new

words also, maybe. So, see we soon again. Hey-d-d-d. I'm going to do.