Log in

Relevant bibliographies by topics / Credit unions / Journal articles

To see the other types of publications on this topic, follow the link: Credit unions.

Journal articles on the topic 'Credit unions'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Credit unions.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Kiyak, Deimena, and Laura Paulionienė. "Activity evaluation of Lithuania credit unions." Buhalterinės apskaitos teorija ir praktika, no. 15A (July 9, 2014): 118–32. http://dx.doi.org/10.15388/batp.2014.15a.10.

Full text

Abstract:

The bank of Lithuania in its supervisory functions evaluates how credit unions carries out the prudential norms (capital adequacy, liquidity, maximum open position in foreign currency, the maximum loan amount per borrower, large loan requirements), examine the overall financial condition of the credit union, is watching whether the credit union's activities comply with laws, regulations, statutes and internal union document requirements. However, the steady growth of the credit union's capital, loan number and size of credit unions operating regulations limiting still does not measure the cred

APA, Harvard, Vancouver, ISO, and other styles

2

Jasevičienė, Filomena, Vytautas Kėdaitis, and Simona Vidzbelytė. "CREDIT UNIONS’ ACTIVITY AND FACTORS DETERMINING THE CHOICE OF THEM IN LITHUANIA." Ekonomika 93, no. 1 (2014): 117–30. http://dx.doi.org/10.15388/ekon.2014.0.3018.

Full text

Abstract:

Abstract. In the recent years, the role of credit unions in the financial sector of Lithuania has gradually become more significant. The number of credit unions grew together with their assets, number of members, and deposits. The beginning of a rapid process of credit unions’ establishment and development caused unmeasured risks which led to a suspended activity of several credit unions in 2013. This caused an insignificant migration of credit unions’ shareholders (members) from one union to another, retirements, etc. Although residents haven’t lost the confidence, this fact demands to invest

APA, Harvard, Vancouver, ISO, and other styles

3

Maran, Maran. "Impact of Interest Loan, Growth of Regional Gross Domestic Product, Inflation and Economic Growth on Loans at Credit Union in West Kalimantan, Indonesia." Journal of Asian Multicultural Research for Economy and Management Study 2, no. 3 (2021): 37–47. http://dx.doi.org/10.47616/jamrems.v2i3.119.

Full text

Abstract:

Loans or credits offered by Kopdit credit unions are a potential source of funds that need to be developed, to help accelerate the home industry and the micro and small economies. Therefore, we want to see the impact of several conditions such as the loan interest rate, GDP per capita growth, inflation rate and economic growth. Quite a number of studies have looked at the impact of interest rates, GDP growth, inflation rates and economic growth on loans or credits to banks or banking institutions. We do not look at credit or loans from banks, but on Kopdit credit unions (CU). The results of ou

APA, Harvard, Vancouver, ISO, and other styles

4

Walker, David A., and Kathryn I. Smith. "Credit unions’ acquisitions of banks and thrifts." Journal of Financial Economic Policy 11, no. 3 (2019): 306–18. http://dx.doi.org/10.1108/jfep-05-2018-0077.

Full text

Abstract:

Purpose In total, 14 credit unions have acquired 16 banks and savings institutions since 2012; 7 additional acquisitions are in progress and are expected to close before year-end 2019. The analysis of the population of these acquisitions spans the paths of annual differences in CAMEL ratios. Most acquirers have a somewhat revised capital structure and are often benefiting from economies of scope, as well as economies of scale. Since their acquisitions, the acquiring credit unions have become less risky, measured by simulated CAMEL ratios, and they are lending a larger share of their deposits.

APA, Harvard, Vancouver, ISO, and other styles

5

Yusuf, Rolland M., and Selmita Paranoan. "Cubizpay: Information System In Credit Union." International Journal of Accounting and Management Research 5, no. 1 (2024): 1–13. http://dx.doi.org/10.30741/ijamr.v5i1.1239.

Full text

Abstract:

The Credit Union has implemented information technology in the development of its services by presenting CubizPay. This study aims to determine the benefits of CubizPay in increasing member trust in Credit Union services. This research applies an interpretative approach with interpretative phenomenological analysis, to find out the meaning of user experience in accepting and using CubizPay through interviews and documentation with (5) Credit Union members who are active CubizPay users. This research found that the benefits of CubizPay can increase member trust through transaction transformatio

APA, Harvard, Vancouver, ISO, and other styles

6

Arhin, Solomon. "The impact of Credit Risk on the credit unions in Ghana: What are the financial lessons to be learned?" Global Journal of Business, Economics and Management: Current Issues 14, no. 2 (2024): 75–86. http://dx.doi.org/10.18844/gjbem.v14i2.7769.

Full text

Abstract:

Unlike commercial banks that deal with stakeholders and customers from different places, Credit Unions deal solely with their members who are in turn the owners of the union. This can therefore lead to conflict between borrowing members (who demand low credit from the union) and saving members who request a high rate of return on what they have invested in the union. The study aimed to assess the credit risk management approaches and their effects on the financial performance of Credit Unions in Ghana. The study used a purposive sampling technique to select 35 respondents from the credit union

APA, Harvard, Vancouver, ISO, and other styles

7

Lu, Wenling, and Judith Swisher. "A comparison of bank and credit union growth around the financial crisis." American Journal of Business 35, no. 1 (2020): 25–44. http://dx.doi.org/10.1108/ajb-03-2019-0017.

Full text

Abstract:

PurposeThe purpose of this research is to examine the growth rates of commercial banks and credit unions around the financial crisis and recovery. Credit unions are analyzed as a group and by field of membership. Specifically, this research analyzes the growth rates of assets, deposits, and loans.Design/methodology/approachThis research employs univariate tests of differences to examine the median growth rates for commercial banks and credit unions. Unbalanced pool regressions analyze growth rates during the pre-crisis, crisis, and recovery periods, controlling for size, net charge-offs, and u

APA, Harvard, Vancouver, ISO, and other styles

8

Vinh Vo, Xuan, Tuan Quoc Le, Thi Lam Anh Nguyen, and Hiep Ngoc Luu. "Who Could We Blame? The Impact of Strategic Orientations on the Failure of Financial Institutions." Review of Pacific Basin Financial Markets and Policies 24, no. 02 (2021): 2150011. http://dx.doi.org/10.1142/s0219091521500119.

Full text

Abstract:

We evaluate the impact of strategic orientation on the failure probability of financial institutions. Using the US credit union industry as the empirical setting, we find that credit unions which exhibit preferential treatment to borrowers are more likely to fail, whereas those who set operational strategies towards balancing the benefits between savers and borrowers experience a lower failure probability. The impacts appear to be more pronounced in small credit unions and in credit unions which have a lower operating experience. We also find that borrower-oriented credit unions generate lower

APA, Harvard, Vancouver, ISO, and other styles

9

Mook, Laurie, John Maiorano, and Jack Quarter. "Credit Unions." Nonprofit and Voluntary Sector Quarterly 44, no. 4 (2014): 814–31. http://dx.doi.org/10.1177/0899764014538121.

Full text

APA, Harvard, Vancouver, ISO, and other styles

10

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

11

Boehme, Rodney, Timothy Craft, and Richard LeCompte. "Credit Card Lending and the Performance of U.S. Credit Unions." International Journal of Finance & Banking Studies (2147-4486) 12, no. 2 (2023): 01–12. http://dx.doi.org/10.20525/ijfbs.v12i2.2605.

Full text

Abstract:

Is credit card lending by credit unions within the United States primarily a service to members or a profit generating product? This paper examines the impact of credit card lending on the performance of U.S. credit unions from 2000-2017. A panel data approach using fixed effects regression methodology is undertaken to make comparative analyses of credit union performance across several dimensions including the percentage of the firm’s assets in credit card loans and percent of members with a credit card. Credit unions are stratified into deciles by size and significant results are found using

APA, Harvard, Vancouver, ISO, and other styles

12

Baležentis, Tomas, Asta Kantaravičienė, and Vytautas Kėdaitis. "The patterns of thr Lithuanian credit union performance." Management Theory and Studies for Rural Business and Infrastructure Development 36, no. 2 (2014): 223–34. http://dx.doi.org/10.15544/mts.2014.019.

Full text

Abstract:

The paper analyses the patterns of the performance of Lithuanian credit unions united under the Lithuanian Central Credit Union. A system of indicators describing the performance of the credit unions has been established in order to tackle the heterogeneity among the credit unions and asses its dynamics. The overlapping clustering was employed for the research. The research is based on data covering years 2008–2012. Such a framework enabled us to compare the performance of the credit unions amidst the economic turbulences fuelled by the global financial crisis. The overlapping clustering yield

APA, Harvard, Vancouver, ISO, and other styles

13

Kurniyati, Yuli. "Pearls: Seperangkat Alat Monitoring dan Evaluasi Kinerja Keuangan Koperasi Kredit." Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship 1, no. 1 (2011): 38. http://dx.doi.org/10.30588/jmp.v1i1.63.

Full text

Abstract:

<span>Pearls is a system of 44 financial ratios which the World <span>Council of Credit Unions (WOCCU) employs to provide a detailed picture of <span>credit union operations. Standing for <span>Protection, Effective Financial <span>Structure, Asset Quality, Rates of Return, Liquidity, and Signs of Growth, the Pearls system was originally designed and implemented with Guatemalan credit unions in the late 1980s. WOCCU now uses it worldwide to monitor the performance of credit unions, to create a universal language that each credit union can speak and understand, to

APA, Harvard, Vancouver, ISO, and other styles

14

Kusuma, Stephanus Eri, Antonius Sumarwan, and Titus Odong Kusumajati. "The Role of Integrative Approach for Enhancing Credit Union Sustainability: A Reflection on The Indonesian Credit Union Movement." Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan 23, no. 1 (2022): 31–42. http://dx.doi.org/10.23917/jep.v23i1.17851.

Full text

Abstract:

Most Indonesian credit unions still focus on providing financial services, paying less attention to the roles of credit unions in education, empowerment and flourishing social solidarity of their members. This condition makes credit unions hardly compete with other microfinance providers in Indonesia. While threatening their sustainability prospect, this condition also reduces the capacity of credit unions to empower their members. Inspired by the maximalist approach and the Ledgerwood’s system framework, we suggest an integrative approach for credit union services that is empowered by the opt

APA, Harvard, Vancouver, ISO, and other styles

15

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

16

Gerbych, L., and M. Buznyk. "Organizational and informational model of analysis of the financial condition of credit union." Galic'kij ekonomičnij visnik 75, no. 2 (2022): 55–63. http://dx.doi.org/10.33108/galicianvisnyk_tntu2022.02.055.

Full text

Abstract:

The relevance of conducting regular analysis of the financial condition of credit unions as a necessary element of confirming their financial resources for further effective business activities is substantiated. The necessity of building an organizational and information model of such analysis, which includes the purpose and objectives, subjects and objects, system of indicators, information base, methodological support of the analysis and methods of generalization and implementation of its results is proved. The purpose of the analysis of the financial condition of credit union is to identify

APA, Harvard, Vancouver, ISO, and other styles

17

Polishchuk, Yevheniia, та Viktoriia Orel. "ГЛОБАЛЬНІ ТЕНДЕНЦІЇ РОЗВИТКУ КРЕДИТНИХ СПІЛОК". PROBLEMS AND PROSPECTS OF ECONOMIC AND MANAGEMENT, № 4(20) (2019): 342–52. http://dx.doi.org/10.25140/2411-5215-2019-4(20)-342-352.

Full text

Abstract:

The article presents the results of a study aimed at identifying global trends in the development of credit unions. Recommendations were also given on the management of credit unions in Ukraine in the light of trends identified. Cross-regional features of credit unions in the global dimension have been identified. Those FinTech tools that promote the development of these financial intermediaries have been identified. The activity of credit unions in Ukraine is analyzed and the specifics of their development are determined. In the article it is proved that in the near future the market of credi

APA, Harvard, Vancouver, ISO, and other styles

18

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

19

Van Dalsem, Shane. "Effects of Credit Union Service Organizations on Credit Union Performance." Journal of Finance Issues 15, no. 1 (2016): 1–19. http://dx.doi.org/10.58886/jfi.v15i1.2482.

Full text

Abstract:

This study examines the effects of credit union service organizations (CUSOs) on credit union performance for the period 2009 through 2014. I use random effects models with Mundlak (1978) correction to estimate the relationships between CUSOs and credit union performance variables. Credit union participation in CUSOs increased over the sample period and participation increases with credit union size. CUSO participation is divided based on whether the credit union wholly owned the CUSO or was required to collaborate with other institutions. I find evidence that participation in wholly-owned CUS

APA, Harvard, Vancouver, ISO, and other styles

20

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

21

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

22

Han, Xiaoyang, and Shuaiyin Yang. "Study on the causes and preventive measures of rural credit unions’ departure from farming." E3S Web of Conferences 275 (2021): 03053. http://dx.doi.org/10.1051/e3sconf/202127503053.

Full text

Abstract:

Over the years, rural credit unions have always played an important role in serving the “three rural areas” and have played a good role as the main force in “supporting the micro and helping the farmers”. However, in recent years, the profit-seeking nature of rural credit unions and the development constraints of the “three rural issues” have made the tendency of rural credit unions to leave agriculture and commercialization more and more obvious, and credit funds are increasingly flowing from rural areas, farmers and agriculture to cities, enterprises and other industries, which greatly reduc

APA, Harvard, Vancouver, ISO, and other styles

23

Mwau Mulwa, Jonathan. "Moderating effect of Firm Characteristics in the Financing Diversification â€“ Performance nexus among Credit Unions in Kakamega County, Kenya." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 11, no. 5 (2016): 2988–93. http://dx.doi.org/10.24297/ijmit.v11i5.4698.

Full text

Abstract:

The last two decades has seen a lot of creativity and diversity in the funding strategies pursued by credit unions as a result of financial sector liberalization and competitive pressure in the financial system. Research has shown that this diversification is both beneficial and hurting at the same time. However, firm characteristics have not mostly been factored in the diversification â€“ performance analysis though studies in other sectors underline their importance. This therefore prompted this study to analyze the moderation effect that firm characteristics â€“ specifically age, size, memb

APA, Harvard, Vancouver, ISO, and other styles

24

Kėdaitis, Vytautas, and Evaldas Žilinskas. "Application of Multidimensional Analysis to the Activity of Credit Unions." Lietuvos statistikos darbai 52, no. 1 (2013): 72–86. http://dx.doi.org/10.15388/ljs.2013.13926.

Full text

Abstract:

The main purpose of this paper is to develop models that would name risky credit unions, in other words, credit unions, which are most likely at risk of bankruptcy.The work consists of two main parts: the analysis of literature and the research, and its results and conclusions.When the survey of the literature was carried out, the authors made financial indicator sets which were used for classification of the credit unions into the risk groups. Bankruptcy cases in Lithuania were insufficient so the authors suggested two ways to measure credit unions’ riskiness. Based on good classification res

APA, Harvard, Vancouver, ISO, and other styles

25

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

26

Money, Nick, Olive McCarthy, Paul A. Jones, and Noreen Byrne. "Understanding business models in the context of Irish credit union transformation." Journal of Co-operative Studies 56, no. 2 (2022): 23–34. http://dx.doi.org/10.61869/fhfm1239.

Full text

Abstract:

Credit unions in the Republic of Ireland (Ireland) are important community institutions. Over the last decade, however, Irish regulators and government have commented on a strategically critical financial problem for the sector and called for a change to the ‘business model’, but there is no statement of what this business model means. This paper understands a business model as the way an organisation creates and delivers value for its customers and itself, so whether articulated or not, it is plainly vital to organisational success. This paper reviews credit union financial performance, engag

APA, Harvard, Vancouver, ISO, and other styles

27

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

28

Black, Harold A., and Robert L. Schweitzer. "The Effect of Common Bond on Credit Union Performance: The Case of Black-Controlled Credit Unions." Review of Black Political Economy 15, no. 4 (1987): 89–98. http://dx.doi.org/10.1007/bf02903732.

Full text

Abstract:

This article compares the financial characteristics of black-controlled credit unions by type of common bond. The study found that many of the operational differences of these credit unions can be attributed to institutional characteristics associated with the three distinct types of credit unions. It also found that black credit unions are viable financial institutions, regardless of type of common bond. This finding is linked to the ownership of credit unions by its membership. This unique relationship has implications for black economic development.

APA, Harvard, Vancouver, ISO, and other styles

29

Hassan, M. Kabir, Jennifer Brodmann, Blake Rayfield, and Makeen Huda. "Modeling credit risk in credit unions using survival analysis." International Journal of Bank Marketing 36, no. 3 (2018): 482–95. http://dx.doi.org/10.1108/ijbm-05-2017-0091.

Full text

Abstract:

Purpose The purpose of this paper is to investigate proprietary data from customers of a Southern Louisiana credit union. It analyzes the factors that contribute to an accelerated failure time (AFT) using information from customers’ credit applications as well as information provided in their credit report. Design/methodology/approach This paper investigates the factors that affect credit risk using survival analysis by employing two primary models – the AFT model and the Cox proportional hazard (PH) model. While several studies employ the Cox PH model, few use the AFT model. However, this pap

APA, Harvard, Vancouver, ISO, and other styles

30

Mangan, Anita. "Legitimising mutuality in public discourse: Exploring parliamentary debates on credit unions in Ireland, 1959-1999." Journal of Co-operative Studies 54, no. 1 (2021): 25–37. https://doi.org/10.61869/yoor8786.

Full text

Abstract:

How did credit unions in Ireland move from the margins to become a nationally recognised movement? More generally, how do co-operatives promote their economic and organisational models in the public sphere? This article examines the importance of having a supportive legislative environment to enable co-operative development. It does this by exploring Irish parliamentary debates on credit unions between 1959 and 1999, including the lobbying for and debates about the Credit Union Act, 1966, and the revised Credit Union Act, 1997. The article traces the shift in public debate from advocacy in the

APA, Harvard, Vancouver, ISO, and other styles

31

Ruska, Ruslana. "EVALUATION POSITIONS OF CREDIT UNIONS IN THE WORLD MARKET OF FINANCIAL SERVICES." Vol 16, No 2 (2017) 16, no. 2 (2017) (2017): 197–212. http://dx.doi.org/10.35774/jee2017.02.197.

Full text

Abstract:

Credit unions have been functioning on the financial market of Ukraine for more than twenty years, and necessity of their existence is still questionable. Imperfect system which controls credit unions in our country often leads to distorted activity. Investigating the uniqueness of the world credit unions and basic principles of their activity stipulated the necessity of a completely new approach to the evaluation of credit unions positions in the world market of financial services. Due to the analysis of penetration it is educed that credit unions embrace a substantial financial market share

APA, Harvard, Vancouver, ISO, and other styles

32

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

33

Kozmenko, Serhiy, and Victoria Roienko. "Ensuring financial inclusion through insurance companies and credit unions." Insurance Markets and Companies 7, no. 1 (2016): 6–10. http://dx.doi.org/10.21511/imc.7(1).2016.01.

Full text

Abstract:

The article analyzes modern tendencies and broadening dynamics of insurance companies’ and credit unions’ services in terms of world regions. The correlation analyses for finding lag relation between access broadening to the insurance companies’ and credit unions’ services and financial and economic parameters is held. The distribution-lag models for force and direction interrelation between access level to non-banking financial services and financial and economic regions development are elaborated. Keywords: financial inclusion, insurance company, credit union, lag, economic growth, regressio

APA, Harvard, Vancouver, ISO, and other styles

34

Taylor, Keith, and Nathan P. Goodman. "The stakeholder-empowering philanthropy of Edward Filene." Journal of Institutional Economics 16, no. 5 (2019): 715–29. http://dx.doi.org/10.1017/s1744137419000675.

Full text

Abstract:

AbstractCredit unions currently serve over 110 million members in the United States. This is surprising, given the challenges associated with forming cooperatives. This paper explains how grants were used to overcome these challenges and create the modern credit union sector. Edward Filene, a wealthy 20th-century department store owner, provided philanthropic funding and technical expertise to early credit unions, resulting directly in the creation of 26,000 American credit unions over a 45-year period. Filene's leadership helped overcome the various social dilemmas associated with creating co

APA, Harvard, Vancouver, ISO, and other styles

35

Steven, L. Fullerton, M. Fullerton Jr. Thomas, and Pokojovy Michael. "Credit Union Net Charge-Off Evidence for the United States." Empirical Economics Letters 23, no. 11 (2024): 1–9. https://doi.org/10.5281/zenodo.14347311.

Full text

Abstract:

<strong>Abstract:</strong> Credit unions represent an important source of financial capital to the small business and consumer sectors in the United States.  In spite of that, there is comparatively little research on credit union financial ratio performance.  This study attempts to partially fill that gap in the applied economics literature by empirically analyzing the behavior of credit union net charge-offs.  Results using fourth quarter 2015 data indicate that borrowing costs, business conditions, and loan management practices affect credit union net charge-off ratios. 

APA, Harvard, Vancouver, ISO, and other styles

36

Timuneno, Antonius Yohanes William. "PENGARUH EVALUASI KREDIT DAN PENGAWASAN KREDIT TERHADAP RISIKO KREDIT MACET." Journal of Management Small and Medium Enterprises (SMEs) 15, no. 2 (2022): 207–23. http://dx.doi.org/10.35508/jom.v15i2.6724.

Full text

Abstract:

The research background is risk of the loan credit which is the one problem which inseperable from the operations system in credit service unions in district Oebobo of Kupang City. In observation the loan default, the efforts of tackling was involved two important factors were credit evaluation and control credit. This research was conducted in 15 units of credit unions that were selected based on the criteria previously and the sample were 30 persons from credit management and supervisory elements. Technique in collecting data is observation interview, questionnnary, and documentation. The re

APA, Harvard, Vancouver, ISO, and other styles

37

Kang, Chien-Min, Ming-Chieh Wang, and Lin Lin. "The Dynamic Typology in the Development Process of Credit Union Movements." International Journal of Financial Studies 10, no. 2 (2022): 29. http://dx.doi.org/10.3390/ijfs10020029.

Full text

Abstract:

The aim of this paper is to find a dynamic framework of analysis of credit union movements by grouping credit unions into different category types. Within the heterogeneous reality of the worldwide credit union movement, the typology provides a clearer understanding of the dynamics of change and development. We use panel-ordered logistic regression to find the key covariates of influence when analyzing the original typology to add further explanation of the development of credit union movements. By using transnational research, we revisit each of the three categories of the original typology t

APA, Harvard, Vancouver, ISO, and other styles

38

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

39

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

40

Молдокулова, Б., та Жакып Жамбыл. "РАЗВИТИЕ СИСТЕМ КРЕДИТНЫХ СОЮЗОВ В КЫРГЫЗСТАНЕ (НА ПРИМЕРЕ ОАО «ФККС»)". Vestnik Bishkek Humanities University, № 56-57 (15 червня 2021): 17–21. http://dx.doi.org/10.35254/bhu.2021.56.57.17.

Full text

Abstract:

В статье анализируется современное состояние кредитных союзов и перспективы развития систем кредитных союзов, в том числе Открытое акционерное общество «Финансовая компания кредитных союзов». Проведено сравнение основных финансовых показателей Компании до приватизации и после. Произведено подробный анализ финансового состояния Компании за последние 3 года, т.е. 2018 – 2020 гг. Сформулированы проблемы и представлены пути решения по повышению эффективности осуществления деятельности систем кредитных союзов. В статье рассматривается вся система кредитных союзов, т.е. сами кредитные союзы, Открыто

APA, Harvard, Vancouver, ISO, and other styles

41

Jurkonytė, Edita, and Mindaugas Vijūnas. "The Lithuanian Credit Union Reform Evaluation." Management of Organizations: Systematic Research 83, no. 1 (2020): 57–71. http://dx.doi.org/10.1515/mosr-2020-0004.

Full text

Abstract:

AbstractAmendments to the Law on Credit Unions in Lithuania, as an essential element of the restructuring of the Credit Union Sector, entered into force in 2018, therefore it is getting relevant to assess the impact of these changes on the whole Sector from the perspective of Credit Union experts.

APA, Harvard, Vancouver, ISO, and other styles

42

Davis, Kevin. "Credit Unions and Demutualisation." Managerial Finance 31, no. 11 (2005): 6–25. http://dx.doi.org/10.1108/03074350510769938.

Full text

APA, Harvard, Vancouver, ISO, and other styles

43

Elliott, Reg. "Credit Unions in Australia." International Journal of Bank Marketing 4, no. 2 (1986): 58–64. http://dx.doi.org/10.1108/eb010778.

Full text

APA, Harvard, Vancouver, ISO, and other styles

44

Ely, David. "Credit unions and risk." Journal of Regulatory Economics 46, no. 1 (2014): 80–111. http://dx.doi.org/10.1007/s11149-013-9241-8.

Full text

APA, Harvard, Vancouver, ISO, and other styles

45

Pana, Elisabeta, and Linus Wilson. "Political Influence and TARP Investments in Credit Unions." Quarterly Journal of Finance 02, no. 04 (2012): 1250017. http://dx.doi.org/10.1142/s2010139212500176.

Full text

Abstract:

About 48 credit unions received capital injections as part of the financial sector bailout. The predicted probability of receiving bailout funds jumps from 29% to 81% for the typical credit union, if the institution's headquarters was in the district of a member of the U. S. House Financial Services Committee (HFS). The credit unions receiving funds were significantly less likely to lend, contrary to the goals of the program. These results indicate that political influence may be an important determinant of which institutions receive taxpayer funds.

APA, Harvard, Vancouver, ISO, and other styles

46

Santos, Ana Lucia Carvalho, Lucas A. B. C. Barros, Tony Takeda, and Lauro Gonzalez. "Effects of regulatory changes in microcredit on the financial and social performance of Brazilian credit unions." Revista Contabilidade & Finanças 30, no. 81 (2019): 338–51. http://dx.doi.org/10.1590/1808-057x201807590.

Full text

Abstract:

ABSTRACT This study investigates whether the performance of credit unions that offer microcredit in Brazil was affected by the advent of Crescer - the National Microcredit Program. This research fills a gap in the literature because few papers investigate credit unions that work with microcredit and also the effects of governmental interventions related to microcredit operations. Studies of this type may help evaluate the impact of governmental interventions on the performance of the institutions that are directly or indirectly affected. Our results add to the debate about microcredit and abou

APA, Harvard, Vancouver, ISO, and other styles

47

Vinnychenko, O. V., and S. S. Matvienko. "Assessnig the Activities of Credit Unions in the Financial Market in Ukraine." Business Inform 11, no. 526 (2021): 369–75. http://dx.doi.org/10.32983/2222-4459-2021-11-369-375.

Full text

Abstract:

The article is concerned with analyzing the current state of development of credit unions and carrying out assessment and structuring of the main reasons that hinder their further development. It is defined that today in the world the most common form of financial cooperatives are credit unions that provide loans to socially vulnerable segments of the population and provide financial support to small business entities, farms, which becomes especially relevant during the pandemic. Information on the volume of activities of credit unions in some countries of the world and in Europe is provided.

APA, Harvard, Vancouver, ISO, and other styles

48

Костирко, Лідія Андріївна, та Тетяна Василівна Соломатіна. "ФІНАНСОВИЙ ПОТЕНЦІАЛ КРЕДИТНИХ СПІЛОК У СИСТЕМІ РОЗВИТКУ МАЛИХ ФОРМ АГРОБІЗНЕСУ". TIME DESCRIPTION OF ECONOMIC REFORMS, № 1 (5 травня 2020): 57–64. http://dx.doi.org/10.32620/cher.2020.1.08.

Full text

Abstract:

Formulation of problem. The article is focused on the analysis of trends of development of credit unions and the basis for scientific and practical recommendations regarding increasing the financial potential of credit unions in system of development of small forms of agrarian business. The aim of research is the development of theoretical aspects and practical recommendations regarding increasing the financial potential of credit unions in system of development of small forms of governance in agrarian area. The object of the research is the financial potential of credit unions. Methods, used

APA, Harvard, Vancouver, ISO, and other styles

49

Amoah, Benjamin, Kwaku Ohene-Asare, Godfred Alufar Bokpin, and Anthony Q. Q. Aboagye. "Technical efficiency: the pathway to credit union cost efficiency in Ghana." Managerial Finance 44, no. 11 (2018): 1292–310. http://dx.doi.org/10.1108/mf-10-2017-0431.

Full text

Abstract:

Purpose The purpose of this paper is to investigate the factors that tend to influence credit union efficiency, specifically examining cost efficiency (CE) and technical efficiency. Design/methodology/approach Using a two-stage method, the authors first estimate CE using Tones’ SBM data envelopment analysis method and technical efficiency in a variable returns to scale setting during the period 2008–2014. The authors estimate a mixed-effects and two-limit Tobit regression to examine the effect of credit union specific characteristics, banking industry and macroeconomic conditions, on efficienc

APA, Harvard, Vancouver, ISO, and other styles

50

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.

Full text

Abstract:

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

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!