The misconception of the MMM scheme by its critics, attests to that long time saying- Never judge a book by its cover. The numerous criticism the programme keeps receiving particularly from the media and the government, shows how clueless they all are about its ideology.

Without researching how it operates, the programme has been likened by critics to a Ponzi scheme. What is really a Ponzi scheme? Like it was derived from the initiator’s last name, Charles Ponzi was a pyramid scheme that existed far back in 1920 where investors invested in a then lucrative business- international reply coupons/postage stamps, in a central account provided by Charles Ponzi. The investment scheme paid huge dividends to investors for many years until it crashed and he, Charles Ponzi diverted all the money to himself.

With this analysis on the Ponzi scheme, how is it in anyway related to MMM? What business like the Ponzi scheme does MMM ask its participants to invest in? Which central account does MMM ask its participants to store all their money? In response to these questions, i will give a detailed breakdown on how MMM operates. 

For those who do not know, MMM is the first of its kind peer-to-peer financial programme founded in 2011 by a russian mathematician and computer programmer, Sergey Mavrodi, which derived its name from the last name of the founder, Mavrodi Mundial Movement. Unlike many other financial networking programmes, mmm is uniquely different as its ideology is about people helping each other. According to the MMM ideology, which is always advised that every participant reads and understands before participating in the programme, the founder created the programme to help deliver the common man from the world’s unjust financial system which he termed as evil.

MMM was founded so that you and I can take our financial destinies in our own hands rather than put it in the hands of financial institutions such as banks and the likes. For a better and clearer understanding of the MMM ideology, it is advisable you visit the the website and hit the ideology page for a deeper insight on how and why MMM was founded.

The 30 percent reward on money given out in 30 days, the referal and registration bonuses which critics do not understand how they come about are all what has made MMM been termed a scam. Truly, any business that gives you such return on investment with such bonuses in 30 days is questionable and unlikely to be real.

MMM like it has been emphasised is not a business and doesn’t invest on anything that grows in interest. It is simply a community of mutual financial help. This explains why MMM can’t be registered and taxed. It creates a platform for people to directly render financial assistance to each other with their already taxed money in what is called a peer-to-peer measure.

The 30 percent reward, registration and referal bonuses in MMM comes from no other than the members of the community through what is called crowd funding, it is very vital to take note of this. The constant donation that every participant makes covers every form of bonus gotten from the programme, and the programme remains active and running when there is no stop for whatever reasons, in the constant donations- which in the MMM terminology is the Provide Help/Get Help, by the members of its community.

One of the many questions asked by critics who do not have an indepth knowledge of MMM is, how does the organisers make their money? Not to forget, MMM is a charitable cause. The founder of the programme Mavrodi, is a Jewish Russian and research has it that the Jews were the first to introduce the interest-free-loans to better the human lots. The Jews are naturally philanthropic.

MMM founders and organisers make their own money by also being actively involved in the donation process- Provide Help(PH) and Get Help(GH), like every other member of the community. MMM also no doubt makes money from the traffic on its sites through adsense and its youtube videos.

The tension caused by the media and government, due to lack of knowledge of the MMM ideology, does no good but harm to the programme. Such tension affects people who do not find time to study and understand what MMM is all about, but only understands it to be a programme where one gives out a certain amount and makes it back with a 30 percent interest in 30 days.

When such panic that MMM is a scam is created by the media and the government, those with less knowledge of how the programme operates, becomes so afraid to Provide Help(PH) but rather want to Get Help(GH), which is not healthy for the system, as it survives by the constant Provide Help/Get Help of every member of the community. This exactly is what lead to the freezing of mavros this december so that there will be a balance in the system.

It is advisable that members with no knowledge of MMM use this period to study and understand its ideology so that the government and the media who do not, will no longer create panic in their minds. MMM did not crash, it freezed mavros for the betterment of its members, and will be unfrozen by January as promised by the system to withdraw (GH) all confirmed mavros.

The return of an almost similar financial networking programme, ultimate cycler which was perceived crashed by many, for going offline to upgrade its websites bandwith in other to accomodate millions of new members, should instill some confidence in the hearts of participants that MMM is active and safe. Together we all can change the world’s unjust financial system. Long live MMM, long live every mavrodian.

@Reginald L. Chukwu