The International Monetary Fund is one of the world’s premier international financial institutions, offering members an array of financial instruments funded by member quotas and multilateral and bilateral arrangements.
IMF loans work differently from other towers. Their payments won’t be deducted until your entire debt has been cleared (which you can do by selling IMF Loans). Unfortunately, there may be drawbacks to this system.
1. It’s a waste of money
The IMF lends money on non-concessional terms to its member countries. Funds sourced by this source include payments of quotas by member nations, multilateral and bilateral arrangements that supplement these resources, and IMF reserves. As these funds do not tie them directly to specific projects or expenditures like development banks, these may be used by government policies designed to address imbalances and mitigate vulnerability during crises.
Repaying IMF loans is a fantastic feature and makes them even more worthwhile while mitigating negative consequences. Unfortunately, however, you cannot clear all your debt, and therefore, it may not be suitable for some players.
, an IMF loan provides you with $10,000 or $12,000 when using it; with one of the Monkey Knowledge upgrades, this amount increases to $12,000. While this sum of cash can be significant, using IMF loans does cause debt accumulation; without one of these upgrades, this debt is paid off using 20% of the income generated through Bloons or sold towers until all debt has been cleared off.
To address this issue, it may be advantageous to upgrade an IMF loan into Monkey-Nomics. This will achieve similar effects without necessitating payments (10k cash typically and 12k if you possess Monkey knowledge). Note that any outstanding debts won’t automatically clear; instead, they accumulate until there is no more space.
The IMF is an essential institution that aids countries during economic crises and provides them with flexible sources of financing. However, many critics have pointed out that its conditionality can violate economic and social rights, while its policy-based approach may result in lower salaries for public service agencies and higher regressive taxes that further diminish public services while increasing prices for people who already have limited purchasing power.
2. It’s a money scummy
The IMF is an international organization that offers loans to member countries to help them overcome or avoid economic crises. Funds come from various sources, including member country quotas, multilateral/bilateral arrangements, unique resources, and technical assistance and training services for its members. Furthermore, its monetary policies aim at ensuring an efficient global financial system.
BTD6 IMF Loan is the fourth upgrade on path 2 of the Banana Farm upgrade tree and costs $10,200 on easy, $12,000 on medium, and $12,960 on hard (plus one of Monkey Knowledge). Once activated, its IMF Loan ability grants an initial burst of income; 20% of all revenue generated from destroying bloons or selling towers goes toward paying back this debt.
Early in the game, it can be easy to accumulate large debts by spamming towers and collecting from banks – particularly if a player possesses one of the top-level Monkey Knowledge upgrades that increases bank capacity up to $20,000.
To combat this, the IMF loan has its bank account that automatically makes payments at the beginning of every round, reducing player income by 50% until their debt has been cleared off – you can switch it back on at any time to restore normal income levels.
IMF loans are also an effective tool for increasing rushes, as your bank account will soon be full of cash to fund expensive last-ditch defenses. Unfortunately, however, their steep price tag and repayment rates mean if a player cannot repay their debt, they can no longer use their bank, which significantly impedes progression in the game.
3. It’s a waste of time
IMF Loan is the fourth upgrade on Path 2 of Banana Farm. It costs $10,200 on easy, $12,000 on medium, $12,960 on hard, and $14,400 on impeccable mode; once installed, it grants a burst of $20,000 payable back with 20% of total income from Bloons sold and revenue generated through other means such as Bloon Tower sales; this debt must be settled over 12 uses on hard mode or eight on middle path respectively.
This upgrade can help players accumulate wealth gradually over time. However, it should not be used during the early game as it will quickly put you over debt and won’t generate additional income from destroying bloons. Instead, an IMF Loan is recommended in the later game when other income generation may be necessary to reach its end goal.
Realistically, the IMF loans to developing countries to assist them in meeting their international payment obligations and avoiding financial crises. Loans help countries deal with foreign exchange shortages while strengthening external accounts by encouraging trade and investment flows. But it should be remembered that IMF cannot solve every country’s issues; defaulting to the IMF will lead to sovereign default, which allows the US Government to seize assets of the defaulting nation located both inside the US and other countries.
When countries default on IMF loans, it can be devastating for their economies. Governments will need to increase taxes, reduce subsidies, and implement other measures that meet the terms of their agreement, which may take years and lead to substantial economic losses for all involved.
Bangladesh is facing severe economic turmoil due to IMF debt and is in immediate need of accessing its policy-based credit facility soon before facing severe financial distress. Bangladesh currently has a sizable current account deficit, depleted foreign exchange reserves, and rising inflation, as a result of which its inflation is high and current account deficit enormous. Bangladesh should seek access to this facility sooner rather than later to address these serious challenges.
4. It’s a waste of space
BTD6’s middle upgrade tree contains the IMF Loan upgrade – one of its most minor worthwhile upgrades – at $10,200 on easy difficulty, $12,000 for medium, and $12,960 for hard. IMF Loan gives an initial boost in cash flow; however, you must repay its cost through reduced income from bloons sold or otherwise and reduced income of 20% until your debt is cleared.
The IMF Loan upgrade is most often utilized to support early-game rushes, enabling quicker acquisition of Monkey Wall Streets. It is also beneficial for funding late-game rushes that outstrip an opponent’s income-generation capabilities.
Although an IMF Loan may seem costly initially, its expenses are relatively affordable when taken up again and again as each upgrade will generate 12k in free money each time it’s used – thanks to debt processing being in reverse chronological order; each use of your promotion will clear away some previous debt before adding more to payoff the next.
