sentence: '' accounting for this hoarding in the context of hoarded money 's inability to contribute to the growth of a capitalist society , marx states that bank are the relief to this problem : part two : the transformation of money into capital in part ii of volume i of capital , karl marx explains the three components necessary to create capital through the process of circulation : the first section of part ii , chapter 4 , explains the general formula for capital ; chapter 5 delves further by explaining the contradictions of the general formula ; and the last section of part ii , chapter 6 , describes the sale and purchase of labor power within the general formula .