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Journal articles on the topic 'Cooperative credit unions'

Author: Grafiati

Published: 4 June 2021

Last updated: 29 July 2025

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1

Vemić, Milan B. "On the Implied Wholeness Significance of International Financial Cooperatives and Credit Unions." International Journal of Corporate Finance and Accounting 9, no. 1 (2022): 1–17. http://dx.doi.org/10.4018/ijcfa.313041.

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The purpose of this paper is to analyze pre-COVID-19 performance indicators of international financial cooperatives and credit unions. By assuming a wholeness approach to cooperative development, new potentialities are suggested without jeopardizing the initial concept of non-financial cooperative entities. Researched is their internationalization and export endeavors based on data collected by the European Association of Cooperative Banks and the World Council of Credit Unions. The author draws conclusions on interconnectedness among financial cooperatives and credit unions with traditional c

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Chepkwei, Ambrose Kipruto. "SUSTAINABLE STRATEGIC GROWTH, SAVINGS AND CREDIT COOPERATIVE SOCIETY AND CREDIT UNION INDUSTRY: A GLOBAL OVERVIEW." Journal of Strategic Management 3, no. 1 (2018): 37. http://dx.doi.org/10.47672/jsm.345.

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Purpose: To ascertain the sustainable strategic growth Savings and Credit Cooperative Societies and Credit Unions Industry globallyMethodology: This is a secondary research based on review of existing available literature (from books, conference reports, websites and journals) in the area of Savings and Credit Cooperatives Societies and Credit Unions in various countries globally.Findings: The study found that number of Savings and Credit Cooperative Societies/Credit Unions in Africa increased by 83.3%, while that of Asia increased by 78.0% between the periods 2007 and 2016 and the average ind

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3

Bierecki, Dominik. "Legal Status and Development Trends of Credit Unions in Polish Law and its Compliance with the WOCCU Standards and the International Cooperative Principles." Boletín de la Asociación Internacional de Derecho Cooperativo, no. 56 (April 1, 2020): 19–45. http://dx.doi.org/10.18543/baidc-56-2020pp19-45.

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The article presents the outline of credit unions’ history in Poland, the credit unions’ legal status in Polish law and the credit union’s legal status as the European Cooperative Society (SCE). Conclusions driven from this analysis are compared with the World Council of Credit Unions (WOCCU) standards and the contents of the International Cooperative Principles. Also, the article discusses legal environment, government attitude and development trends of credit unions’ in Poland. In conclusion, the de lege ferenda postulates regarding credit unions’ regulation in Poland are presented. Credit u

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4

O. Fried, Harold, and C. A. Knox Lovell. "Enhancing The Performance of Credit Unions: The Evolution of a Methodology." Recherches économiques de Louvain 60, no. 4 (1994): 431–47. http://dx.doi.org/10.1017/s0770451800004607.

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SummaryIn the United States credit unions are not-for-profit cooperative financial institutions, owned by and operated for the benefit of their members. Being part of a cooperative movement enhances the likelihood that credit unions will share performance-enhancing ideas, for the benefit of weak credit unions and the movement as a whole. In this paper we show how a conventional performance evaluation methodology has evolved into a novel performance enhancement methodology. The evolution of the methodology is the result of cooperations among individual credit union managements, movement officia

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Bierecki, Dominik, and Natalia Bierecka. "Ewolucja instytucji prawnej więzi członkowskiej w spółdzielczej kasie oszczędnościowo‑kredytowej (unii kredytowej)." Miscellanea Historico-Iuridica 23, no. 1 (2024): 203–24. https://doi.org/10.15290/mhi.2024.23.01.09.

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The aim of the article is to examine the evolution of the legal institution of the membership bond in credit unions in the Polish law. The research thesis of the article states that the requirement to connect members with a social (membership) bond existed in historical credit unions. The research thesis also states that in the evolution of the membership bond there was a territorial bond based on the place of residence of the credit union members. The article was prepared using the historical-legal, dogmatic-legal and comparative legal methods. The article presents the origins of credit union

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Chaiyapong, Akkakorn, Wanchai Dhammasaccakarn, Wanchai Chuaboon, Lertlak Jaroensombut, and Thongphon Promsaka Na Sakolnakorn. "The Management Guidelines to Strengthen the Education and Knowledge of Members of a Cooperative Credit Union in South Thailand." Journal of Education and Learning 12, no. 4 (2023): 62. http://dx.doi.org/10.5539/jel.v12n4p62.

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The aim of this paper is to study the key points of managing cooperative credit unions in south Thailand and how to strengthen the education and knowledge of the management team, staff and members. This paper is based on a qualitative method via in-depth interviews and a focus group with members and committees of cooperative credit unions in south Thailand; data were analyzed using content and descriptive analysis. Results showed that the most problematic issue is a lack of transparency in the management and patronage systems, leading to corruption. In addition, the key points for developing g

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Skoczek, Jacek. "Problematyka członkostwa w kasach oszczędnościowo-kredytowych w orzecznictwie Sądu Najwyższego w latach 2019–2022." PRAWO i WIĘŹ, no. 43 (January 25, 2023): 173–86. https://doi.org/10.36128/priw.vi43.622.

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The article is an analysis of three judgments of the Supreme Court issued in the years 2019-2022 regarding the issue of membership in cooperative savings and credit unions. The first of these judgments concerns the liability of members for losses incurred in connection with the declared shares. The description of the current legal status is preceded by a short historical outline of the development of members additional liability. Lawsuits were initiated by the trustees of the bankruptcy estate of credit unions, who demanded additional payments from members for double liability despite the lack

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ANTONIUK, Oksana, and Yaroslav SHEVCHUK. "PROBLEMS AND PROSPECTS OF FUNCTIONING OF CREDIT UNIONS IN UKRAINE." "EСONOMY. FINANСES. MANAGEMENT: Topical issues of science and practical activity", no. 1(63) (May 12, 2023): 20–30. http://dx.doi.org/10.37128/2411-4413-2023-1-2.

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The article examines the theoretical and practical principles of the functioning of credit unions in Ukraine at the current stage. Scientific and methodical approaches to defining the economic category «credit cooperation» have been analyzed. It was determined that in Ukraine the credit cooperation functions in the form of credit unions. The definition of a credit union as a non-profit organization founded by individuals, trade unions, and their associations on a cooperative basis with the aim of meeting the needs of its members in mutual lending and providing financial services at the expense

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9

Panasyuk, I. S. "Provision of financial services by credit unions in Ukraine as an object of criminal research." Analytical and Comparative Jurisprudence, no. 2 (April 28, 2025): 871–76. https://doi.org/10.24144/2788-6018.2025.02.128.

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The article examines the issue of the provision of financial services by credit unions in Ukraine as an object of criminological research. The development of the financial sector, entrepreneurship and the competitive environment in Ukraine contributes to changes in all components of the financial market, in particular the financial services market. It is outlined that financial services are a transaction or several transactions related to one legal purpose, with financial means, carried out in the interests of persons other than the provider of such a financial service, as well as services dir

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Padang, Laurence Tombi, and Marselinus Asri. "CULEG PERSPECTIVE: PERFORMANCE OF CREDIT UNION COOPERATIVES FEDERATION PUSKOPCUINA." Contemporary Journal on Business and Accounting 3, no. 1 (2023): 69–85. http://dx.doi.org/10.58792/cjba.v3i1.38.

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Purpose – This Study aim to test governance variables based on perspective Credit Union Label of Excellence in Governance (CULEG) is governance standards and instruments _measurement Cooperative Credit Union developed by the Asian Confederation of Credit Union (ACCU) for made guidelines for creation score for its members and community the place they operate to CU performance. Design/methodology/approach – Using deep CU sample data scope puskopditcuina in Indonesia, research this prove exists impact application of CULEG to Performance. Findings – Participation influential, and trans

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Medvid, Oksana. "THE DEVELOPMENT OF CREDIT COOPERATION IN DROHOBYCH REGION (1920s ‒ 1930s)." Problems of humanities. History, no. 5/47 (March 27, 2021): 282–93. http://dx.doi.org/10.24919/2312-2595.5/47.217788.

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Summary. The purpose of the study is to reveal the activities of credit unions in Drohobych region in the interwar period, to show their role in the economic protection of the Ukrainian population of Galicia in interwar Poland. The research methodology is based on the principles of historicism, systematicity, scientificity, authorial objectivity, as well as the use of general scientific and special-historical methods. The scientific novelty lies in the study of the development of credit cooperation in Drohobych in the 1920‒1930’s. Conclusions. An important place in the cooperative movement of

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Kropivko, M., and D. Mykytyuk. "Functioning of credit cooperation: foreign experience and challenges for Ukraine." Ekonomìka ta upravlìnnâ APK, no. 2(151) (December 16, 2019): 89–95. http://dx.doi.org/10.33245/2310-9262-2019-151-2-89-95.

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It is established that the existing banking system is aimed primarily at lending to highly concentrated agricultural enterprises and is not adapted to the needs of small rural businesses. Therefore, the creation of an effective mechanism for lending to small and medium-sized agricultural entities through a credit cooperative system is of particular relevance. Rural credit co-operation is a parallel to banks, an alternative financial system that has begun to firmly occupy a niche in the country's credit and financial system. Its line of business is financial services for small and medium-sized

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13

Carvalho, Flávio Leonel de, Maria Dolores Montoya Diaz, Sigismundo Bialoskorski Neto, and Aquiles Elie Guimarães Kalatzis. "Exit and Failure of Credit Unions in Brazil: A Risk Analysis." Revista Contabilidade & Finanças 26, no. 67 (2015): 70–84. http://dx.doi.org/10.1590/1808-057x201411390.

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This study aims to investigate the factors that affect the market exit of Brazilian singular credit unions from 1995 to 2009; it also identifies and lists the determinants of various types of market exits and analyzes whether profitability is a significant factor for credit union survival. This study was conducted with accounting data provided by the Central Bank of Brazil, which derives only from individual cooperatives, i.e. singular credit unions. Quarterly financial statements from these credit unions that were active from 1995 to the second quarter of 2009 were employed, totaling 71,325 o

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Klimenko, Vita, Alena Sokolova, and Olena Hasii. "Status and prospects for the development of credit unions in Ukraine." Problems and Perspectives in Management 15, no. 4 (2017): 124–33. http://dx.doi.org/10.21511/ppm.15(4).2017.11.

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Credit unions increase social orientation and efficiency of the market economy by providing their members with necessary financial services on a non-profit basis. Unfortunately, the role of credit cooperation is underestimated in Ukraine. The article investigates factors, condition and prospects for the credit unions’ development as an important component of Ukrainian economy. Both optimistic and pessimistic scenarios of credit unions’ development in Ukraine have been provided based on forecasts involving methods of analytical equalization of dynamic series, correlation and regression analysis

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15

Cuong, Hoang Van, Hiep Ngoc Luu, Loan Quynh Thi Nguyen, and Vu Tuan Chu. "Income structure, diversification strategy and owners’ benefit in cooperative financial institutions." International Journal of Managerial Finance 16, no. 4 (2020): 481–500. http://dx.doi.org/10.1108/ijmf-11-2018-0346.

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PurposeThe purposes of this paper are twofold. First, it analyses the income structure in cooperative financial institutions and examines how traditional and non-traditional incomes are related. Second, it evaluates whether increasing diversification towards non-traditional incomes facilitates or hampers the benefits of financial cooperative owners.Design/methodology/approachData are collected from over 3,100 US credit unions over the period of 1994–2016. A number of modern econometric techniques are employed throughout the analysis, including the use of panel fixed effect, generalised method

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Ryder, Nicholas. "The credit crunch – the right time for credit unions to strike?" Legal Studies 29, no. 1 (2009): 75–98. http://dx.doi.org/10.1111/j.1748-121x.2008.00113.x.

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The origins of the cooperative movement can be traced to the Rochdale Society of Equitable Pioneers in 1844, from which similar institutions emerged in Central Europe, the North American continent and the rest of the world. Modern credit unions evolved from these small cooperative societies and have developed into mainstream providers of financial services in many jurisdictions. However, credit unions in the UK have not made a similar impact. There are several factors that have limited their growth – an inadequate legislative framework, an ineffective credit union regulatory system, inappropri

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17

Mędrzecka, Joanna. "Rola orzecznictwa Trybunału Konstytucyjnego w kształtowaniu ram prawnych działalności spółdzielczych kas oszczędnościowo- -kredytowych." PRAWO i WIĘŹ, no. 43 (January 25, 2023): 187–98. https://doi.org/10.36128/priw.vi43.623.

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The paper reflects on the jurisprudence of the Polish Constitutional Tribunal, regarding cooperative savings and credit unions, and its legal effects. Four such rulings have been issued until now. The first decision K 53/07 of 24th March 2009 concerned provision of Article 15 of Financial Support for the Families in Obtaining Their First Apartment, amending an Old Cooperative Savings and Credit Unions Act of 1995, the second decision Kp 10/09 of 12th January 2012 concerned Articles 17 and 91 of the New Cooperative Savings and Credit Unions Act of 2009; the third U 2/12 of 18th February 2014 co

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Cordeiro, Fernanda, Valéria Gama Fully Bressan, Jose Roberto de Souza Francisco, Hudson Fernandes Amaral, and Niara Goncalves da Cruz. "Measuring Operational Risk in Brazilian Credit Unions." Revista Catarinense da Ciência Contábil 24 (January 24, 2025): e3536. https://doi.org/10.16930/2237-7662202535362.

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The objective of this study is to propose observable proxies to measure operational risk in credit unions. This work is significant for several reasons: it enhances transparency by utilizing publicly accessible metrics, enables comparisons between institutions facilitating the identification of best practices and areas for improvement and promotes financial stability by evaluating performance over time, contributing to effective operational risk management in the cooperative sector. Based on a systematic literature review, the results demonstrate that it is possible to measure operational risk

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Castro, Camila Ferreira, Valéria Gama Fully Bressan, and Gustavo Henrique Dias Souza. "Análise da eficiência operacional e da expansão de postos de atendimentos de cooperativismo de crédito brasileiro." ForScience 11, no. 1 (2024): e01174. http://dx.doi.org/10.29069/forscience.2023v11n1.e1174.

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Este estudo avaliou como se comportou a eficiência operacional a partir das estratégias de expansão ou não dos Postos de Atendimento Cooperativos (PACs) em relação ao market share das cooperativas. Os dados foram extraídos do Banco Central do Brasil, e as cooperativas foram divididas em três grupos – as que expandiram, as que estagnaram e as que contraíram seus PACs, totalizando 797 cooperativas de crédito analisadas. Utilizou-se o teste de Wilcoxon para comparar medianas de market share e eficiência de cada grupo para os anos de 2016 e de 2021. O teste de Kruskall-Wallis também foi utilizado

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van Rijn, Jordan. "The cooperative identity at U.S. credit unions." Journal of Co-operative Organization and Management 10, no. 1 (2022): 100152. http://dx.doi.org/10.1016/j.jcom.2021.100152.

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Setyowati, Endang, Lazarus Tri Setyawanto, and Jawade Hafidz. "Legal Reconstruction of the Credit Union Operation in Indonesia for Community Welfare Based on the Pancasila Justice Value." Scholars International Journal of Law, Crime and Justice 5, no. 11 (2022): 507–12. http://dx.doi.org/10.36348/sijlcj.2022.v05i11.005.

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This research takes the formulation of the problem of why is the regulation of the implementation of Credit Union activities not based on the value of justice and how is the reconstruction of regulations for implementing Credit Union activities in Indonesia based on the value of justice. This research uses normative legal research methods and empirical legal research where the research specification used in this research is descriptive-analytical. The Primary data sources are based on data or facts and legal cases obtained directly through research in the field and Secondary data is done throu

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22

Tola, Damianus, and Irmanwati Ahmad. "Pengaruh Pemberian Kredit Simpan Pinjam Dan Perputaran Likuiditas Terhadap Pendapatan Koperasi Kredit Syurdikara." Ekspektasi: Jurnal Pendidikan Ekonomi 2, no. 2 (2017): 68–77. http://dx.doi.org/10.37478/jpe.v2i2.131.

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This research is goal to know: 1). Know the lending to the income of the cooperative syuradikara 2). know the cycles of liquditas the increase in the income of the syuradikara unions. The research method used descriptive quantitative and descriptive qualitative, Types of data collected secondary data with the size of Current Ratio. Current Ratio is the ratio between the amount of current assets with current debt. Analyzer used to know the effect of credit saving and leverage and liquidity turnover to unions income at credit cooperative Syurdikara using Multiple Regression Analysis. There is a

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Santos, Ana Lucia Carvalho, Elise Soerger Zaro, and José Renato Sena Oliveira. "Cooperativism and Microcredit: an analysis of the participation of cooperatives in the supply of microcredit in Brazil." Research, Society and Development 11, no. 2 (2022): e16311225534. http://dx.doi.org/10.33448/rsd-v11i2.25534.

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This study analyzes the participation of Brazilian credit unions in the provision of microcredit in the period from 2017 to 2019. The cooperatives belonging to the four main cooperative credit systems in the country were considered: Cresol, Sicoob, Sicredi and Unicred. To meet the proposed objective, a documentary research was carried out as from the survey of secondary data from official agencies, in addition to data from the financial and accounting reports of the analyzed institutions. The literature consulted points out that credit unions have a greater incentive to carry out solidarity cr

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Kneysler, Olga, Nataliіa Spasiv, Oleksandr Kvasovskyi, and Roman Kuz. "Reorganization and Bankruptcy of Credit Unions: National Characteristics and Experience of Economically Developed Countries." Oblik i finansi, no. 1(107) (2025): 55–68. https://doi.org/10.33146/2307-9878-2025-1(107)-55-68.

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The COVID-19 pandemic and full-scale war have led to numerous challenges in the activities of credit unions, among which the dominant ones are the risk of bankruptcy, the search for sources of financing for reorganization, the problem of painless exit from the market and the effective implementation of the liquidation procedure to fully satisfy the claims of creditors. The article aims to identify the features of financial reorganization and the termination of the activities of credit unions as legal entities on a voluntary and compulsory basis under the martial law regime in Ukraine. To achie

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Se, Hyronimus. "Pengaruh Karakteristik Organisasi Dan Budaya Organisasi Terhadap Komitmen Manajerial, Kepercayaan Anggota dan Partisipasi Anggota Serta Dampaknya Pada Kinerja Koperasi Pada Koperasi Kredit (Credit Union) di Flores." ANALISIS 10, no. 2 (2020): 43–58. http://dx.doi.org/10.37478/als.v10i2.695.

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This study aims to analyze the influence of organizational characteristics and organizational culture on managerial commitment, member trust, and member participation, the impact on the performance of cooperatives in credit unions in Flores, East Nusa Tenggara Province, Indonesia. The population in this study included administrators, supervisors, and managers of all credit unions in Flores. The total sample of 237respondents was obtained by using the simple random sampling technique. Data analysis techniques usingStructural Equation Model (SEM) with concepts and applications using Analysis of

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Hill, Matthew J. "Cooperative Entrepreneurship: Future Back Thinking, Translation, and Digital Organizational Change in the Credit Union Space." Journal of Business Anthropology 12, no. 2 (2023): 202–13. http://dx.doi.org/10.22439/jba.v12i2.7061.

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In this essay, I examine cooperative entrepreneurship’s role in driving digital organizational change in a Southern California credit union that caters to a mobile university population. Drawing on Joseph Schumpeter’s interpretative approach to entrepreneurship, I highlight the pivotal role of an innovative CEO in combining a new technology, AI chatbots, with the credit union’s existing technologies to create a new means of production in a contact center: AICCs or Artificial Intelligence Contact Center Agents. I extend Schumpeter’s theory by showing both how future-back thinking can generate i

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Yayeh, Fentahun Admassu, and Wondaferahu Mulugeta. "Social Capital and Economic Performance of Financial Cooperatives: Evidence from the Amhara Region." Technium EconomiA 1 (February 18, 2024): 22–63. http://dx.doi.org/10.47577/economia.v1i.10680.

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Financial cooperatives emerged in the mid-1800s, in response to economic crises and marginalization. The response was an institution of people-centered collective action that was not driven by the state or the market. Scholars have analyzed its contribution to development worldwide, yet its position in markets, its social capital-based characteristics, and the role of social capital in financial cooperatives have been not broadly investigated in Ethiopia. Thus, this study seeks to analyze the various aspects of social capital and examines the effects of social capital on financial cooperatives

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Náñez, Alonso Sergio Luis, Javier Jorge-Vázquez, Beatriz Sastre-Hernández, and Bernard Ziębicki. "Do credit unions contribute to financial inclusion and local economic development? Empirical evidence from Poland." Economics & Sociology 16, no. 4 (2023): 110–29. https://doi.org/10.14254/2071-789X.2023/16-4/5.

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ABSTRACT. Financial inclusion is currently on the political agenda of many governments and international institutions as an unavoidable objective of territorial cohesion and economic development programs. It is also central to the Sustainable Development Goals (SDGs). For their part, the role of credit unions as agents of local economic development and their commitment to the provision of financial services in regions subject to unfavorable demographic and economic stress has been verified by various studies. However, this article examines the contribution of credit unions to the processes of

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Carrera-Silva, Katherin, Olga Maritza Rodríguez Ulcuango, Paula Abdo-Peralta, Ángel Gerardo Castelo Salazar, Carmen Amelia Samaniego Erazo, and Diego Haro Ávalos. "Beyond the Financial Horizon: A Critical Review of Social Responsibility in Latin American Credit Unions." Sustainability 16, no. 18 (2024): 7908. http://dx.doi.org/10.3390/su16187908.

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Credit unions in Latin America play an important role in the financial system, making a significant contribution to the achievement of the Sustainable Development Goals (SDGs) through their focus on financial inclusion, sustainability, and economic resilience. Assessing the social responsibility of these cooperatives ensures ethical, sustainable operations that benefit the population. Unlike traditional financial institutions, cooperatives are based on principles focused on mutual benefit, democratic participation, and responsibility toward their members and the community. This critical litera

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Priono, Joko, and Fitri Latifah. "Penerpan Metode Waterfall Pada Perancangan Sistem Informasi Koperasi Simpan Pinjam Berbasis Web Menggunakan Php Dan MySQL." Journal of Information System, Informatics and Computing 8, no. 2 (2024): 243. https://doi.org/10.52362/jisicom.v8i2.1661.

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Credit Unions aim to collectively meet the economic needs of members based on Credit Union principles. KSP CU SAN-YOS MITRA SEJATI, as one of the credit unions that adhere to these principles, also provides savings and loan services. Currently, management and registration at KSP CU SAN-YOS MITRA SEJATI is still done manually by registering in books and using Microsoft. Excel. Additionally, submitted reports are often late. To overcome this problem, KSP CU SAN-YOS MITRA Credit Union needs an information system that should make it easier for directors, supervisors and management to manage KSP CU

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Forker, John, Johanne Grosvold, and Anne Marie Ward. "Management Models and Priorities in Member Associations." Nonprofit and Voluntary Sector Quarterly 43, no. 2_suppl (2013): 105S—123S. http://dx.doi.org/10.1177/0899764013502581.

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Credit unions are membership-based cooperative financial services organizations that are run by and for their members. Historically, credit unions provided financial services for their members and encouraged community development through philanthropy and volunteering. The World Council of Credit Unions (WOCCU), the sector’s global trade association and development agency, encourages the adoption of a management model, coined “new model,” which encourages for-profit financial management practices. The “new model” approach is challenged by some practitioners and academics concerned that it will

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Rade, Stefanus Don, Mericiana Yulita Fin Tae, Firgilius Kandro Mego Asman, and Kalistus G. Wayong Huler. "Legal Protection of Creditors in Credit Agreements at Swastisari Kupang Credit Union." Journal of Progressive Law and Legal Studies 1, no. 02 (2023): 97–106. http://dx.doi.org/10.59653/jplls.v1i02.81.

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Credit Unions have an important role in improving the economy of the Indonesian people through joint efforts based on family principles, so cooperatives need to develop themselves further and be built to be strong and independent based on cooperative principles. In running its business, the suitable implements credit, a form of effort to process the capital owned from deposits and member donations, to achieve optimal results. A credit agreement is needed to avoid bad credit in the future as evidence of a contract between the creditor and the debtor. This is a reference to legal protection for

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Wysocka, Ewa. "Ewolucja regulacji prawnych w bankowości spółdzielczej w Polsce." Studia Iuridica 72 (April 17, 2018): 431–56. http://dx.doi.org/10.5604/01.3001.0011.7646.

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Cooperative banking in Poland has more than 150 years of tradition, going back to the period of Partitions. The first Polish credit associations and cooperatives were established in Greater Poland in the years 1861–1862, in the fashion of credit cooperatives for farmers established by Friedrich Raiffeisen and the so-called cooperative “people’s banks” associating craftsmen, that were founded by Franz Schultze. In 1899, on the territory of the Austrian Partition, small credit institutions, the so-called “Stefczyk Savings Unions” (“Kasy Stefczyka”), were created, associating mainly farmers, In t

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Favalli, Ricardo Terranova, Alexandre Gori Maia, and Jose Maria Ferreira Jardim da Silveira. "Governance and financial efficiency of Brazilian credit unions." RAUSP Management Journal 55, no. 3 (2020): 355–73. http://dx.doi.org/10.1108/rausp-02-2019-0018.

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Purpose This paper aims to evaluate the relation between governance and financial efficiency of credit unions in Brazil. The study shows how poor financial efficiency in credit unions may result from undesirable configurations in executive management and other variables related to governance. Design/methodology/approach The study develops an innovative methodology to classify credit unions according to the level of governance using indicators of representativeness and participation, leadership, management and supervision. This methodology integrates the use of multiple correspondence and clust

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de Paula, Daniel Abreu Vasconcellos, Rinaldo Artes, Fabio Ayres, and Andrea Maria Accioly Fonseca Minardi. "Estimating credit and profit scoring of a Brazilian credit union with logistic regression and machine-learning techniques." RAUSP Management Journal 54, no. 3 (2019): 321–36. http://dx.doi.org/10.1108/rausp-03-2018-0003.

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Purpose Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions. Design/methodology/approach This sample is composed by the data of personal loans transactions of a Brazilian credit union. Findings The analysis reveals that the use of statistical methods improves significantly the predictability of def

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McKillop, Donal G., and John O. S. Wilson. "Credit Unions as Cooperative Institutions: Distinctiveness, Performance and Prospects." Social and Environmental Accountability Journal 35, no. 2 (2015): 96–112. http://dx.doi.org/10.1080/0969160x.2015.1022195.

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Vasa, László, and Imre Vida. "Az önszerveződő csoportok szerepe az ugandai pénzügyi rendszerben." Afrika Tanulmányok / Hungarian Journal of African Studies 14, no. 3-4. (2021): 5–27. http://dx.doi.org/10.15170/at.2020.14.3-4.1.

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Groups organized on the basis of voluntary cooperation play a significant role in the financial systems of sub-Saharan African countries. Following the success of the cooperative movement and the Grameen model, self-organized microfinance organizations have spread across the continent. In our study, we examine the role of self-organizing groups through the Ugandan example. According to a survey by the Central Bank of Uganda, there were about 1,000 active savings and credit unions and more than 70,000 financial self-help groups in the country in 2018. Although savings and credit cooperative org

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Esomar, Maria J. F., and Baretha Meisar Titioka. "Pearls analysis to assess the health level of Hati Amboina service office (KP) Saumlaki Cooperative Credit Union (CU)." Accounting Journal of Binaniaga 6, no. 1 (2021): 19. http://dx.doi.org/10.33062/ajb.v6i1.415.

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Performance measurement of Credit Union is important to do in order to improve and at the same time becomes a way of evaluating achievement in specific periods. It will show level of success of operational activities conducted and create foundation of developing strategy in the coming days. To get a clear view of a financial report, there has to be a financial performance measurement of Credit Union of Hati Amboina KP Saumlaki through financial rasio analysis named PEARLS which is identified as P (Protection), E (Effective Financial Structure), A (Asset Quality), R (Rate of Return & Cost),

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Hutorov, Andrii O., and Olena O. Hutorova. "The Theoretical and Methodological Principles of Elaborating the Agricultural Cooperation as a Part of the Development of the Agrarian System of Ukraine." PROBLEMS OF ECONOMY 3, no. 53 (2022): 27–34. http://dx.doi.org/10.32983/2222-0712-2022-3-27-34.

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The purpose of the article is to generalize, systematize and deepen the theoretical and methodological principles of the elaboration of agricultural cooperation in the development of the agrarian system of Ukraine. The role and place of cooperation in the system of social organization of labor is researched. It is displayed that cooperation is an objective prerequisite for integration, and the division of labor itself causes its necessity. In institutional theory, the choice between free market transactions and full vertical coordination for economic agents is caused by market conditions, allo

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Kang, Chien-Min, Ming-Chieh Wang, and Lin Lin. "Financial Distress Prediction of Cooperative Financial Institutions—Evidence for Taiwan Credit Unions." International Journal of Financial Studies 10, no. 2 (2022): 30. http://dx.doi.org/10.3390/ijfs10020030.

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In response to relatively little evidence on the determinants of the financial distress in cooperative financial institutions (e.g., Credit Unions), this paper proposes a distress indicator of Merton Distance to default (Merton DD), which was constructed with a z-score, possessed improved predictive capability, but reducing equity volatility. This model possesses the advantages of both hazard and modified Merton DD model, which could timely reflect market volatility and predict when distress would occur. As a demonstration, we applied this model to forecast the financial distress of credit uni

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Barba Bayas, Diego, and Maria Gavilanez Vega. "Gestión social en las Cooperativas de Ahorro y Crédito de una provincia ecuatoriana / Social management in credit unions in an Ecuadorian province." Ciencia Unemi 9, no. 19 (2016): 30. http://dx.doi.org/10.29076/issn.2528-7737vol9iss19.2016pp30-38p.

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Las Cooperativas de Ahorro y Crédito-COAC, son sociedades de personas autorizadas por la ley para efectuar intermediación financiera y, mediante sus productos financieros y no financieros, dar respuesta a los problemas de sus socios con eficiencia económica, financiera, social y ambiental. Por ello el propósito de la investigación se encamina a determinar, si además de la práctica financiera desarrollan buenas prácticas de gestión social y si miden aquello e informan los resultados a sus grupos de interés. En esta investigación se describe la situación de las cooperativas, analizando la aplica

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Abel Feleke. "Review on the Role of rural Saving and Credit Cooperatives in Improving Rural Farmers‘ Socio-economic Activities in Ethiopia." Pacific International Journal 1, no. 3 (2018): 116–28. http://dx.doi.org/10.55014/pij.v1i3.59.

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Rural Saving and Credit Cooperatives (RuSACCOs) are the main financial solution of the people who have low income level.Rural saving and credit cooperatives are considered to have immense potential in financing short term loans for agricultural production technologies and undertake off-farm income generating activities in rural areas where both the state and the private sector have failed. Cooperatives and socio-economic development in Ethiopia has its own Economic significance, Employment creation, income generation and poverty reduction, Social protection, Cooperative representation. Coopera

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Tanaka, Hikaru. "Local Economic Development and Cooperative Credit Unions in modern Japan." Keiei Shigaku (Japan Business History Review) 46, no. 4 (2012): 4_3–4_22. http://dx.doi.org/10.5029/bhsj.46.4_3.

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Beni, Sabinus, Windhu Putra, and Nurul Bariyah. "The Effect of Credit Circulation, Loan to Deposit Ratio (LDR), and Interest Rate on Return On Assets (ROA) Due to Non-Performing Loan (NPL) on Credit Unions in Indonesia." International Journal of Multi Discipline Science (IJ-MDS) 6, no. 1 (2023): 60. http://dx.doi.org/10.26737/ij-mds.v6i1.3797.

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<em>Credit Unions or commonly known as CUs are quite developed in Indonesia, especially on the island of Kalimantan. One of the Credit Cooperative Centers that house Primary CU in Indonesia has service areas in 34 Provinces in Indonesia, namely the Credit Union Credit Cooperative Center Indonesia (PUSKOPCUINA). The CU under the auspices of the PUSKOPCUINA movement has grown very well and has become a reference for CUs in Indonesia in terms of development and empowerment. CU's contribution is still not significant in boosting national economic growth, so more comprehensive research is nee

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Charnvitayapong, Kovit. "Thrift and Credit Cooperative Lending Channels under Prolonged Low-Interest Rates: The Case of Thailand." 11th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 11, no. 1 (2020): 1. http://dx.doi.org/10.35609/gcbssproceeding.2020.11(1).

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Since the global financial crisis of 2007–08, the United States, Japan, and the European Union (EU) have heavily stimulated their economies with expansionary monetary policy. World finance has been affected by this policy conduct. Interest rates in most open economies were pushed to very low levels and have remained low ever since. Nevertheless, monetary stimulation has not improved the economic situation to a satisfactory level as of the end of 2019. Several studies such as Claudio Borio and Boris Hofmann (2017) and Nasha Ananchotikul and Dulani Seneviratne (2015) attempted to examine the ine

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Richard, Mark Paul. "“The Humble Parish Bank”: The Cultural Origins of the U.S. Credit Union Movement." New England Quarterly 88, no. 3 (2015): 449–82. http://dx.doi.org/10.1162/tneq_a_00474.

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In examining the pivotal role French-Canadian Alphonse Desjardins and Franco-American parishes played in developing credit unions in the northeastern United States in the early twentieth century, this essay illustrates how issues of ethnicity, religion, and nationalism intersected successfully to shape the development of cooperative credit institutions across the international border.

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Piedra Méndez, Andrea, Adriana Hinojosa Cruz, María Guevarra Segarra, and José Erazo Garzón. "Responsabilidad social en las cooperativas de ahorro y crédito del Ecuador: una medición desde la web." Telos: Revista de Estudios Interdisciplinarios en Ciencias Sociales 21, no. 3 (2019): 618–42. http://dx.doi.org/10.36390/telos213.07.

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Nowadays the disclosure of information in organizations is mainly made through its web pages. However, sometimes it may not be of high quality or enough to reveal their responsibilities to its stakeholders. Under this premise, this investigation carries out the measurement of social responsibility of Ecuadorian credit unions in October 2018 by the disclosure of information in its web pages. Using the same structure of the work carried out by Navarro, Alcaraz and Ortiz (2010), indicators are established based on the Global Reporting Initiative (GRI). These are evaluated by determining both, the

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Panteleimonenko, Andrii, Vladyslav Honcharenko та Svitlana Kasyan. "Cooperative Сrediting: Prospects of F.V. Raiffeisen Approaches Application in Ukrainian Agricultural Sector". Central Ukrainian Scientific Bulletin. Economic Sciences, № 6(39) (2021): 106–14. http://dx.doi.org/10.32515/2663-1636.2021.6(39).106-114.

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It is emphasized that at the beginning of the XXI century application of cooperative lending experience of F.W. Raiffeisen cooperatives model in Ukrainian practice allowed credit unions to abandon collateral as the main form of credit security. For many small agricultural producers, especially farmers, signing of a group agreement on joint and several liability (formation of the so-called loan circle) was almost the only opportunity to obtain loans. The main reason for stopping this practice is indicated. It was caused by the consequences of the global financial and economic crisis, the first

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Dewi, Danty Safira, and Tika Widiastuti. "PEMBERDAYAAN EKONOMI KARYAWAN PESANTREN OLEH KOPERASI AL-MAWADDAH STUDI KASUS PESANTREN PUTRI AL-MAWADDAH." Jurnal Ekonomi Syariah Teori dan Terapan 3, no. 3 (2017): 219. http://dx.doi.org/10.20473/vol3iss20163pp219-234.

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The research goal is to figure out the role of the Al-Mawaddah Islamic Girl Boarding School or Kiswah against economic empowerment employee of boarding school. The research method used is descriptive qualitative approach with case studies. Data collected by interviews and observations directly to the informant that is in charge of the cooperative and the community surrounding the village of Coper Jetis Ponorogo and secondary data collection is derived from the journal, text books and other literature.Results from this study is a Kiswah role in the economic empowerment of the employees but stil

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Parrales Choez, Carlos Gabriel, María del Carmen Valls Martínez, and Pedro Antonio Martín-Cervantes. "Longitudinal Study of Credit Union Research: From Credit-Provision to Cooperative Principles, the Urban Economy and Gender Issues." Complexity 2022 (August 29, 2022): 1–17. http://dx.doi.org/10.1155/2022/7593811.

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Credit unions are one of the most widely established corporate entities in the financial systems of most of the world’s nations. Their historical support to the financing needs of small savers, as well as their assimilation into the framework of contemporary microfinance, gives them an important specific weight in the economic-financial literature of our time. In this sense, our research has carried out a systematic review of the main contributions (articles in scientific journals) focused on the area of credit unions over the period 1936–2020, using Scopus and WoS as bibliographic databases.

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