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Book
Resilience in a downturn : the power of financial cooperatives
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ISBN: 9789221270300 Year: 2013 Publisher: Geneva : ILO,

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Abstract

Financial cooperatives have fared better than the investor-owned banks in times of crisis. Savings and credit cooperatives, cooperative banks and credit unions have grown, kept credit flowing especially to small and medium sized enterprises, and remained stable across regions of the world while indirectly creating employment. It is their unique combination of member ownership, control and benefit that is at the heart of their resilience and that provides a series of advantages over its competitors. With financial cooperatives presenting an astonishingly large slice of the global banking market, it is important to better understand the model. This report examines financial cooperatives from their origins in Germany in the 1850s to the global movement they represent today. It reviews the performance of financial cooperatives, looking in particular at the aftermath of the 2007-2008 crisis and the continuing long austerity period. It explains why they have proven to be more resilient pointing to the specificities of the cooperative model of enterprise, and concludes with a review of practical policy options and recommendations for the way governments and development agencies should approach financial cooperatives – not as ‘conduits’ but as partners in the wider aims of business development, insurance against episodic poverty, and decent work. The report was prepared to highlight the contribution of financial cooperatives to the economic and social stability in countries around the world. It is a contribution to the United Nations International Year of Cooperatives 2012. (Bron: covertekst)

The international co-operative movement
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ISBN: 0719048230 Year: 1997 Publisher: Manchester Manchester University Press

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Housing policy in the 1990s
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ISBN: 1134950772 1134950780 1280331615 0203039211 Year: 1992 Publisher: London ; New York : Routledge,

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Housing Policy in the 1990s explores the deluge of Conservative legislation of the late 1980s and examines what its effects will be during this decade and into the next century. The contributors discuss and clarify the main aims of the government re-structuring of social strategy and assess its effects on British housing.


Book
Cooperatives and the Millennium Development Goals
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ISBN: 922116148X 9789221161486 Year: 2004 Publisher: Geneva International Labour Office

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Book
Finance in an age of austerity : the power of customer-owned banks
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ISBN: 1781951845 Year: 2013 Publisher: Cheltenham, England ; Northampton, Mass. : Edward Elgar,

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This is a book in search of an alternative to the discredited investor-owned banks that have brought the rich countries into crisis and the world economy into a long period of austerity. It finds customer-owned banks - credit unions, co-operative banks, building societies - have hardly been affected by the crisis and continue to operate according to their organisational DNA: low-risk, close to the customer, underpinned by real savings, and still lending to SMEs to protect jobs and local economies. They are big business - in some countries with over 40% of the market - but networked in smaller,


Article
Co-operative values and principles : a commentary
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Year: 1997

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Book
Rediscovering the cooperative advantage : Poverty reduction through self-help
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ISBN: 9221136035 Year: 2003 Publisher: Geneva : International Labour Organization,

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