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Credit union

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United States (48%), Ecuador (47%), and Canada (43%). Several African and Latin American countries also had high credit union membership rates, as did Australia and South Korea. The average percentage for all countries considered in the report was 8.2%. Credit unions were launched in Poland in 1992; as of 2012 there were 2,000 credit union branches there with 2.2 million members. From 1996 to 2016, credit unions in Costa Rica almost tripled their share of the financial market (they grew from 3.7% of the market share to 9.9%), and grew faster than private-sector banks or state-owned banks in Costa Rica, after financial reforms in that country.
1060:, compared to only 3.6% of those from credit unions, and banks were two and a half times more likely to fail during the crisis. American credit unions more than doubled lending to small businesses between 2008 and 2016, from $ 30 billion to $ 60 billion, while lending to small businesses overall during the same period declined by around $ 100 billion. In the US, public trust in credit unions stands at 60%, compared to 30% for big banks. Furthermore, small businesses are 80% more likely to be satisfied by a credit union than with a big bank. 1229: 975: 1159: 61: 1264:) founded in 1845 by Samuel JurkoviÄŤ, was the first cooperative in Europe (Credit union). The cooperative provided a cheap loan from funds generated by regular savings for members of the cooperative. Members of cooperative had to commit to a moral life and had to plant two trees in a public place every year. Despite the short duration of its existence, until 1851, it thus formed the basis of the cooperative movement in Slovakia. Slovak national thinker 1558: 912: 932: 1218: 922: 1512:(FDIC) provides deposit insurance to banks. State-chartered credit unions are overseen by the state's financial regulatory agency and may, but are not required to, obtain deposit insurance. Because of problems with bank failures in the past, no state provides deposit insurance and as such there are two primary sources for depository insurance – the NCUA and 1106:
Credit unions differ from modern microfinance. Particularly, members' control over financial resources is the distinguishing feature between the cooperative model and modern microfinance. The current dominant model of microfinance, whether it is provided by not-for-profit or for-profit institutions,
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now occupies the location of the home from which St. Mary's Bank Credit Union first operated. In November 1910 the Woman's Educational and Industrial Union set up the Industrial Credit Union, modeled on the Desjardins credit unions it was the first non-faith-based community credit union serving all
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State credit union leagues can partner with outside organizations to promote initiatives for credit unions or customers. For example, the Indiana Credit Union League sponsors an initiative called "Ignite", which is used to encourage innovation in the credit union industry, with the Filene Research
1119:" must be distinguished from a charity. Credit unions are "not-for-profit" because their purpose is to serve their members rather than to maximize profits, so unlike charities, credit unions do not rely on donations and are financial institutions that must make what is, in economic terms, a small 1046:
Worldwide, credit union systems vary significantly in their total assets and average institution asset size, ranging from volunteer operations with a handful of members to institutions with hundreds of thousands of members and assets worth billions of US dollars. In 2018, the number of members in
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The National Association of Federally-Insured Credit Unions (NAFCU) is a national trade association for all state and federally-chartered credit unions. Based outside of Washington, D.C., NAFCU's mission is to provide all credit unions with federal advocacy, compliance assistance, and education.
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Credit unions and banks in most jurisdictions are legally required to maintain a reserve requirement of assets to liabilities. If a credit union or traditional bank is unable to maintain positive cash flow and/or is forced to declare insolvency, its assets are distributed to creditors (including
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The countries with the highest percentage of credit union members in the economically active population were Barbados (82%), Ireland (75%), Grenada (72%), Trinidad & Tobago (68%), Belize and St. Lucia (67% each), St. Kitts & Nevis (58%), Jamaica (53% each), Antigua and Barbuda (49%), the
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Surveys of customers at banks and credit unions have consistently shown significantly higher customer satisfaction rates with the quality of service at credit unions. Credit unions have historically claimed to provide superior member service and to be committed to helping members improve their
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credit unions in the regions grew rapidly throughout the 1970s and into the early 1980s. By 1988 COLAC credit unions represented four million members across 17 countries with a loan portfolio of circa US$ 0.5 billion. However, from the late 1970s onwards many Latin American credit unions
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depositors) in order of seniority according to bankruptcy law. If the total deposits exceed the assets remaining after more senior creditors are paid, all depositors will lose some or all of their initial deposits. However, many jurisdictions have
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said about the association: "We would very much like such excellent constitutions to be established throughout our region. They would help to rescue people from evil and misery. A beautiful, great idea, a beautiful excellent constitution!"
1490:. The WOCCU's mission is to "assist its members and potential members to organize, expand, improve and integrate credit unions and related institutions as effective instruments for the economic and social development of all people". 1075: 1455:
in the United States, provides an ATM network and shared branching services to credit unions. Other examples of cooperatives among credit unions include credit counselling services as well as insurance and investment services.
1762: 1091:, regardless of the amount they might have invested. Credit unions see themselves as different from mainstream banks, with a mission to be community-oriented and to "serve people, not profit". 1384:
attempted to rehabilitate Latin American credit unions by providing technical assistance and focusing credit unions' efforts on mobilising deposits from the local population. In 1987, the
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people in the greater Boston area. The oldest statewide credit union in the United States was established in 1913. The St. Mary's Bank Credit Union serves any resident of the
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places the control over financial resources and their allocation in the hands of a small number of microfinance providers that benefit from the highly profitable sector.
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5,000 in interest on a loan of $ 150 from a moneylender. Drawing extensively on European precedents, Desjardins developed a unique parish-based model for Quebec: the
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The countries with the most credit union activity are highly diverse. According to WOCCU, the countries with the greatest number of credit union members were the
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and other financial institutions in that those who have accounts in the credit union are its members and owners, and they elect their board of directors in a
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into what are generally recognized as the first credit unions in the world. He went on to develop a highly successful urban credit union system. In 1864,
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Hands Around the Globe: A History of the International Credit Union Movement and the Role and Development of the World Council of Credit Unions, Inc.
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caused a run on credit unions. Significant withdrawals and high default rates caused liquidity problems for many credit unions in the region.
1178:(WOCCU), at the end of 2018 there were 85,400 credit unions in 118 countries. Collectively they served 274.2 million members and oversaw 4319: 2681: 2329: 1826: 1509: 552: 418: 1935: 3589: 3458: 1922: 1662: 1543: 1505: 1410: 1402: 1063:"Natural-person credit unions" (also called "retail credit unions" or "consumer credit unions") serve individuals, as distinguished from " 1655: 3535: 3497: 2968: 2814: 1626: 3730: 2738: 1631: 1079:
Statue in RaÄŤa, Bratislava of Samuel JurkoviÄŤ, founder of the first cooperative, or credit union, in Central Europe (Spolok GazdovskĂ˝)
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Once continued federally, FCUs become members of CDIC. As such, eligible deposits placed with an FCU enjoy CDIC deposit protection.
1099:, credit unions claim to provide a broader range of loan and savings products at a much cheaper cost to their members than do most 3725: 2959: 2824: 1691: 1468: 1356: 4304: 3695: 3685: 1467:(CUNA) is a national trade association for both state- and federally chartered credit unions located in the United States. The 1435:
in Canada) provide service to credit unions, with operational support, funds clearing tasks, and product and service delivery.
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struggled with inflation, stagnating membership, and serious loan recovery problems. In the 1980s donor agencies such as
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In the United States, credit unions incorporated and operating under a state credit union law are tax-exempt under
614: 542: 374: 100: 4011: 3900: 3710: 3611: 3464: 3175: 2945: 2669:. Trans. by Konrad Engelmann. The Raiffeisen Printing and Publishing Company, Neuwid on the Rhine, Germany, 1970. 1576: 1536: 1329: 517: 352: 2527: 2001: 1228: 974: 4384: 4136: 4006: 3986: 3654: 3606: 3476: 3386: 3072: 1606: 1513: 1448: 1447:(CUSO) is generally a for-profit subsidiary of one or more credit unions formed for this purpose. For example, 1251: 1143: 467: 386: 4041: 1265: 4537: 4187: 3976: 3844: 3791: 3649: 3639: 3528: 3305: 1851: 1621: 714: 357: 145: 4527: 4279: 3912: 3740: 3300: 3090: 2955: 2940: 2858: 2834: 2330:
https://myzahorie.sme.sk/c/5228907/gazdovsky-spolok-v-sobotisti-bol-prvym-uverovym-druzstvom-v-europe.html
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PERNÝ, Lukáš. Samuel Jurkovič, slovenský národný buditeľ a zakladateľ družstevníctva. In: DAV DVA (2019),
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The directors of the Mulukanoor Women's Thrift Cooperative stand at the entrance to their credit union in
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credit unions worldwide was 375 million, with over 100 million members having been added since 2016.
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Allred, Anthony T. (1 July 2001). "Employee evaluations of service quality at banks and credit unions".
993: 954: 888: 649: 587: 547: 406: 185: 175: 3811: 1332:, was the first credit union. Assisted by a personal visit from Desjardins, St. Mary's was founded by 30:"Caisse pop" and "SACCO" redirect here. For Caisse populaire Desjardins, the Quebec credit union, see 4403: 4346: 3969: 3949: 3776: 3664: 3584: 3187: 3123: 3035: 2916: 2819: 2572: 811: 786: 664: 624: 619: 487: 276: 225: 135: 1471:
is the primary charitable arm of the United States' credit union movement and an affiliate of CUNA.
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The Economics of Financial Cooperatives: Income Distribution, Political Economy and Regulation
2048: 1800: 1699: 1483: 1452: 1398: 1285: 766: 761: 602: 572: 507: 220: 1123:(i.e., in non-profit accounting terms, a "surplus") to remain in existence. According to the 4472: 4427: 4372: 4364: 4354: 4131: 4055: 3895: 3869: 3854: 3761: 3579: 3561: 3217: 3170: 3154: 3017: 2804: 2768: 2297: 2284:
Rojas, Miguel; Deschênes, Sébastien; Ramboarisata, Lovasoa; Leclerc, André (February 2019).
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Credit unions often form cooperatives among themselves to provide services to members. A
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that promises to reimburse members for funds lost up to a certain threshold, such as the
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https://davdva.sk/samuel-jurkovic-slovensky-narodny-buditel-a-zakladatel-druzstevnictva/
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Diekmann, Frank J. (July 2, 2012). "Poland's CUs: From Zero To Mature In Just 20 Yrs".
1586: 1348: 1340: 1116: 1021: 935: 848: 816: 756: 689: 674: 669: 597: 396: 379: 362: 266: 231: 215: 200: 115: 4521: 4193: 4114: 4062: 4001: 3839: 3705: 3411: 3371: 2506:"Indiana credit union reps chosen to take part in ICUL ignite program for innovation" 2484:. Upper Saddle River, New Jersey: International Labour Organization. pp. 45–47. 1372: 893: 873: 796: 751: 522: 512: 492: 369: 180: 170: 155: 150: 85: 75: 2144: 2089: 4254: 4249: 4209: 4170: 3376: 3310: 1738: 1563: 1100: 679: 482: 347: 286: 243: 205: 190: 90: 2328:
TASR: Gazdovský spolok v Sobotišti bol prvým úverovým družstvom . In: SME (2010),
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in New Brunswick, are incorporated under federal charters and are members of the
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are provincially incorporated and deposit insurance is provided by a provincial
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In the United States, federal credit unions are chartered and overseen by the
1336: 1307:, Canada, began operations on 23 January 1901 with a 10-cent deposit. Founder 1163: 315: 2340:Ľudovít Štúr: Hospodársky ústav v Sobotišti, Orol tatranski 3. 2. 1846, č. 20 2052: 1804: 4418: 4234: 4204: 4175: 3917: 3544: 3345: 3040: 2597: 2222:"European Association of Cooperative Banks, Annual Statistical Report, 2010" 1281: 1277: 1217: 1167: 428: 413: 250: 2398: 1796: 2225: 2071: 2002:"Service quality at banks and credit unions: what do their customers say?" 1902: 1035:. In several African countries, credit unions are commonly referred to as 4142: 1300: 1237: 1132: 472: 305: 1190:
reported 38 million members in those four countries at the end of 2010.
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A branch of the Coastal Federal Credit Union in Raleigh, North Carolina
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Empires of food: feast, famine, and the rise and fall of civilizations
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Credit unions as such provide service only to individual consumers.
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250,000 of eligible deposits in credit unions are insured by the
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The first credit union in North America, the Caisse Populaire de
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The Credit Union Movement: Origins and Development 1850 to 1980.
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founded the first rural credit union in Heddesdorf (now part of
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2.19 trillion in assets. WOCCU does not include data from
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The Canadian Journal of Nonprofit and Social Economy Research
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consolidated the learning from two pilot projects, one in
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formed similar credit unions, often out of necessity, as
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Publication 557: Tax-exempt Status and Your Organization
2106:"Not-for-profit", noun, Oxford English Dictionary (2008) 1650: 1648: 1646: 1339:
to Manchester from Quebec on 24 November 1908. Several
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is an online community of credit union professionals.
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Association of Asian Confederations of Credit Unions
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Oxford University Press (OUP): 494–538. 1519:In Canada, the majority of credit unions and 1197:(101 million), India (20 million), 1071:Differences from other financial institutions 955: 8: 2714:– directory of all credit unions in the U.S. 2702:– global trade association for credit unions 2659:Horsdal & Schubart Publishers Ltd, 1999. 2676:. AuthorHouse, Bloomington, Indiana, 2007. 2376:. Discovery Publishing House. p. 199. 2196: 2194: 2192: 1776:Li, Kangli; van Rijn, Jordan (9 May 2022). 3557: 3536: 3522: 3514: 3265: 3254: 2990: 2911: 2904: 2893: 2873: 2859: 2851: 2746: 2732: 2724: 2712:National Credit Union Service Organization 2424:Fraser, Evan D. G.; Rimas, Andrew (2010). 2000:Allred, Anthony T.; Adams, H. Lon (2000). 1188:European Association of Co-operative Banks 962: 948: 444: 255: 40: 3281:ICA Statement on the Cooperative Identity 2720:– charitable arm of credit union industry 2301: 2177:. Internal Revenue Service. February 2015 292:Transaction (checking / current) 2348: 2346: 1983:"Converts sing praises of credit unions" 1888:Frank J. Fabozzi & Mark B. Wickard, 1719:"Payments That Matter: SACCOs In Africa" 1602:Democratic member control (cooperatives) 1516:(ASI), a private insurer based in Ohio. 1095:financial situation. In the context of 2481:Credit Unions and the Poverty Challenge 2033:International Journal of Bank Marketing 1785:The Review of Corporate Finance Studies 1642: 297: 258: 51: 2598:"Canada Deposit Insurance Corporation" 2248:"75% of Irish adults in credit unions" 2102: 2100: 2573:"Deposit Insurance and Credit Unions" 2430:. New York: Free Press. p. 166. 1535:. Federal credit unions, such as the 1510:Federal Deposit Insurance Corporation 7: 3459:Co-operative Commonwealth Federation 2627:Canada Deposit Insurance Corporation 2258:from the original on March 20, 2012. 2224:. Eurocoopbanks.coop. Archived from 2171:"Other Section 501(c) Organizations" 1923:National Credit Union Administration 1663:National Credit Union Administration 1544:Canada Deposit Insurance Corporation 1506:National Credit Union Administration 1411:Canada Deposit Insurance Corporation 1403:National Credit Union Administration 1067:", which serve other credit unions. 921: 3498:History of the cooperative movement 2969:International Co-operative Alliance 2815:International Co-operative Alliance 1627:Credit unions in the United Kingdom 1371:in the 1940s to assist the poor in 3575:Accidental death and dismemberment 2246:Percival, Geoff (March 19, 2012). 1890:Credit Union Investment Management 1632:Credit unions in the United States 1486:for credit unions worldwide and a 27:Member-owned financial cooperative 25: 2694:Credit Union National Association 1965:Credit Union National Association 1465:Credit Union National Association 1451:, the largest credit-union-owned 1445:credit union service organization 1258:The Association of Administrators 3701:Directors and officers liability 2718:National Credit Union Foundation 1556: 1527:. For example, in Ontario up to 1469:National Credit Union Foundation 1041:savings and credit co-operatives 930: 920: 911: 910: 59: 2825:List of cooperative federations 1696:Economics: Principles in action 1377:Inter-American Development Bank 1274:Franz Hermann Schulze-Delitzsch 3351:Socially responsible investing 2700:World Council of Credit Unions 2623:"Federal credit unions (FCUs)" 1694:; Sheffrin, Steven M. (2003). 1592:Community federal credit union 1480:World Council of Credit Unions 1176:World Council of Credit Unions 1125:World Council of Credit Unions 1115:In the credit union context, " 710:Strategic financial management 1: 2974:Cooperative wholesale society 1936:"The Credit Union Difference" 1362:Commonwealth of Massachusetts 1357:America's Credit Union Museum 1241: 1052:financial crisis of 2007–2008 864:Sustainable development goals 4468:Savings and loan association 3397:Friedrich Wilhelm Raiffeisen 3150:Health insurance cooperative 3013:Savings and loan association 2784:Savings and loan association 2303:10.22230/cjnser.2018v9n2a289 1367:After being promoted by the 1290:Friedrich Wilhelm Raiffeisen 1222:Friedrich Wilhelm Raiffeisen 3901:Insurance-linked securities 2830:List of worker cooperatives 2122:. Woccu.org. Archived from 1985:. MSN Money. Archived from 1016:, share term certificates ( 4564: 3590:Total permanent disability 2602:UNI CoopĂ©ration financière 2151:. Internal Revenue Service 1420: 1351:banks frequently rejected 1262:The Association of Farmers 1249: 1127:(WOCCU), a credit union's 1089:one-person-one-vote system 1083:Credit unions differ from 1000:, such as share accounts ( 615:Fractional-reserve banking 543:Enterprise risk management 29: 4493: 4330:Health insurance coverage 3595:Business overhead expense 3493: 3465:United Farmers of Alberta 3264: 3253: 2903: 2892: 2478:Balkenhol, Bernd (1999). 2459:"St. Mary's Credit Union" 2397:BĂ©langer, Damien-Claude. 2072:"What is a Credit Union?" 2045:10.1108/02652320110695468 2018:10.1108/09604520010307049 1537:UNI Financial Cooperation 1386:regional financial crisis 1330:Manchester, New Hampshire 1004:), share draft accounts ( 518:Diversification (finance) 3731:Protection and indemnity 3477:Nepal Co-operative Party 2006:Managing Service Quality 1763:"Credit Unions Globally" 1607:History of credit unions 1514:American Share Insurance 1449:CO-OP Financial Services 1439:Leagues and associations 1252:History of credit unions 1144:Federal Credit Union Act 468:Automated teller machine 4188:Explanation of benefits 3660:Variable universal life 2810:Consumers' co-operative 2530:. WOCCU. Archived from 2352:J. Carroll Moody & 2149:Internal Revenue Manual 2039:(4). Emerald: 179–185. 1622:Credit unions in Canada 1429:Corporate credit unions 1065:corporate credit unions 1018:certificates of deposit 715:Stress test (financial) 4325:Health insurance costs 3726:Professional liability 3306:Cooperative federalism 3301:Co-operative economics 2835:Purchasing cooperative 2674:The Credit Union World 2405:. Marianopolis College 1577:Consumers' cooperative 1423:Corporate credit union 1324:In the United States, 1247: 1225: 1171: 1080: 979: 36:Sacco (disambiguation) 34:. For other uses, see 4181:Out-of-pocket expense 4042:Workers' compensation 3696:Collateral protection 3686:Business interruption 3119:Community wind energy 2915:Primary cooperative ( 2370:Singh, S. K. (2009). 1925:(September 24, 2010). 1873:"LENDER SATISFACTION" 1433:central credit unions 1231: 1220: 1161: 1146:are tax-exempt under 1140:Section 501(c)(14)(A) 1111:Not-for-profit status 1078: 994:financial institution 977: 889:Too connected to fail 650:Investment management 548:Environmental finance 407:Correspondent account 101:Community development 4404:Corpus Juris Civilis 2886:mutual organizations 2820:List of cooperatives 2271:Credit Union Journal 1971:on January 15, 2012. 1909:(December 21, 2010). 1797:10.1093/rcfs/cfac020 1407:Share Insurance Fund 1256:"Spolok GazdovskĂ˝" ( 1205:(3.3 million). 787:Exchange traded fund 665:Mathematical finance 625:Fundamental analysis 620:Full-reserve banking 226:Bank holding company 136:Export credit agency 44:Part of a series on 4533:Cooperative banking 4463:Rochdale Principles 4458:Mutual savings bank 4453:Mutual organization 4438:Cooperative banking 4355:Mesopotamian banker 3635:Longevity insurance 3276:Rochdale Principles 3223:Agent-owned company 3008:Mutual savings bank 2779:Mutual savings bank 2755:Cooperative banking 2672:Fountain, Wendell. 1582:Cooperative banking 1572:Bond of association 1392:Stability and risks 1309:Alphonse Desjardins 1097:financial inclusion 879:Time value of money 705:Statistical finance 695:Sustainable finance 645:Investment advisory 287:Time deposit (Bond) 4548:Financial services 4543:Community building 4215:Insurable interest 3716:Payment protection 3617:Payment protection 3471:Co-operative Party 3356:Solidarity economy 3316:Economic democracy 3081:Collective farming 2840:Worker cooperative 2800:Co-operative Party 2558:Credit Union Times 1892:(1997), pp. 64–65. 1692:O'Sullivan, Arthur 1521:caisses populaires 1488:development agency 1482:(WOCCU) is both a 1248: 1226: 1172: 1081: 1050:Leading up to the 986:is a member-owned 980: 854:Security (finance) 829:History of banking 725:Structured product 720:Structured finance 533:Economic expansion 46:financial services 4515: 4514: 4360:Code of Hammurabi 4335:Vehicle insurance 4230:Replacement value 4122:Actual cash value 4086:Adverse selection 4076:Actuarial science 4050: 4049: 3982:Kidnap and ransom 3955:Extended warranty 3602:Income protection 3511: 3510: 3489: 3488: 3485: 3484: 3452:Political parties 3407:Rochdale Pioneers 3402:David Schweickart 3341:Social enterprise 3293:economic theories 3249: 3248: 3245: 3244: 3206: 3205: 2982: 2981: 2848: 2847: 2682:978-1-4259-7006-2 2667:The Credit Unions 2273:. pp. 1, 22. 2094:, Routledge, 2019 1901:Wendell Cochran, 1525:Crown corporation 1500:Deposit insurance 1484:trade association 1453:interbank network 1399:deposit insurance 1286:Kingdom of Saxony 1280:and the other in 1184:cooperative banks 1174:According to the 1148:Section 501(c)(1) 972: 971: 767:Corporate finance 762:Capital structure 737: 736: 508:Corporate finance 328: 327: 16:(Redirected from 4555: 4473:Social insurance 4428:Friendly society 4320:Health insurance 4148:Short rate table 3896:Catastrophe bond 3797:Lenders mortgage 3558: 3538: 3531: 3524: 3515: 3266: 3255: 3218:Friendly society 3155:Mutual insurance 3018:Building society 2991: 2912: 2905: 2894: 2875: 2868: 2861: 2852: 2805:Co-operatives UK 2769:Building society 2748: 2741: 2734: 2725: 2641: 2640: 2635: 2633: 2619: 2613: 2612: 2610: 2608: 2594: 2588: 2587: 2585: 2583: 2569: 2563: 2562: 2549: 2543: 2542: 2540: 2539: 2524: 2518: 2517: 2512:. Archived from 2510:Bank Credit News 2502: 2496: 2495: 2475: 2469: 2468: 2466: 2465: 2455: 2449: 2448: 2446: 2444: 2421: 2415: 2414: 2412: 2410: 2394: 2388: 2387: 2373:Bank Regulations 2367: 2361: 2350: 2341: 2338: 2332: 2326: 2320: 2314: 2308: 2307: 2305: 2281: 2275: 2274: 2266: 2260: 2259: 2243: 2237: 2236: 2234: 2233: 2218: 2212: 2211: 2209: 2208: 2198: 2187: 2186: 2184: 2182: 2167: 2161: 2160: 2158: 2156: 2141: 2135: 2134: 2132: 2131: 2116: 2107: 2104: 2095: 2086: 2080: 2079: 2068: 2057: 2056: 2028: 2022: 2021: 1997: 1991: 1990: 1979: 1973: 1972: 1967:. Archived from 1957: 1951: 1950: 1948: 1947: 1932: 1926: 1916: 1910: 1899: 1893: 1886: 1880: 1879: 1877: 1869: 1863: 1862: 1860: 1859: 1850:. Archived from 1844: 1838: 1837: 1835: 1834: 1825:. Archived from 1815: 1809: 1808: 1782: 1773: 1767: 1766: 1759: 1753: 1752: 1750: 1749: 1743: 1737:. Archived from 1736: 1728: 1722: 1716: 1710: 1709: 1688: 1682: 1681: 1679: 1677: 1671: 1665:. Archived from 1660: 1652: 1566: 1561: 1560: 1559: 1530: 1494:EverythingCU.com 1328:Credit Union of 1318:caisse populaire 1246: 1243: 1236:credit union in 1234:caisse populaire 1002:savings accounts 998:commercial banks 964: 957: 950: 934: 924: 923: 914: 913: 844:Personal finance 777:Equity (finance) 640:Impact investing 630:Growth investing 538:Enterprise value 445: 256: 211:Savings and loan 63: 41: 32:Desjardins Group 21: 4563: 4562: 4558: 4557: 4556: 4554: 4553: 4552: 4518: 4517: 4516: 4511: 4489: 4485:Insurance cycle 4448:Fraternal order 4341: 4272: 4266: 4225:Proximate cause 4220:Insurance fraud 4200:General average 4159:Claims adjuster 4101:Risk management 4096:Risk assessment 4060: 4057: 4046: 4012:Prize indemnity 3879: 3827: 3821: 3750: 3711:Over-redemption 3669: 3621: 3612:National health 3553: 3547: 3542: 3512: 3507: 3481: 3447: 3416: 3382:David Griffiths 3360: 3321:Guild socialism 3294: 3292: 3285: 3260: 3241: 3202: 3198:Social services 3159: 3138: 3100: 3067: 3051:Housing society 3046:Student housing 3022: 2978: 2950: 2899: 2888: 2879: 2849: 2844: 2788: 2757: 2752: 2690: 2663:F.W. Raiffeisen 2649: 2647:Further reading 2644: 2631: 2629: 2621: 2620: 2616: 2606: 2604: 2596: 2595: 2591: 2581: 2579: 2571: 2570: 2566: 2561:. May 18, 2004. 2551: 2550: 2546: 2537: 2535: 2526: 2525: 2521: 2504: 2503: 2499: 2492: 2477: 2476: 2472: 2463: 2461: 2457: 2456: 2452: 2442: 2440: 2438: 2423: 2422: 2418: 2408: 2406: 2396: 2395: 2391: 2384: 2369: 2368: 2364: 2354:Gilbert C. Fite 2351: 2344: 2339: 2335: 2327: 2323: 2315: 2311: 2283: 2282: 2278: 2268: 2267: 2263: 2245: 2244: 2240: 2231: 2229: 2220: 2219: 2215: 2206: 2204: 2200: 2199: 2190: 2180: 2178: 2169: 2168: 2164: 2154: 2152: 2143: 2142: 2138: 2129: 2127: 2118: 2117: 2110: 2105: 2098: 2087: 2083: 2070: 2069: 2060: 2030: 2029: 2025: 1999: 1998: 1994: 1981: 1980: 1976: 1959: 1958: 1954: 1945: 1943: 1934: 1933: 1929: 1917: 1913: 1900: 1896: 1887: 1883: 1875: 1871: 1870: 1866: 1857: 1855: 1846: 1845: 1841: 1832: 1830: 1817: 1816: 1812: 1780: 1775: 1774: 1770: 1761: 1760: 1756: 1747: 1745: 1741: 1734: 1730: 1729: 1725: 1717: 1713: 1706: 1690: 1689: 1685: 1675: 1673: 1669: 1658: 1654: 1653: 1644: 1640: 1597:Deposit account 1562: 1557: 1555: 1552: 1528: 1502: 1441: 1431:(also known as 1425: 1419: 1394: 1369:Catholic Church 1353:Franco-American 1334:French-speaking 1326:St. Mary's Bank 1254: 1244: 1215: 1156: 1154:Global presence 1113: 1073: 1006:cheque accounts 968: 903: 902: 884:Too big to fail 869:Systematic risk 782:Ethical banking 772:Cost of capital 747: 739: 738: 685:Private banking 655:Islamic banking 635:Hedge (finance) 558:Ethical banking 528:Economic bubble 503:Climate finance 478:Bank regulation 442: 434: 433: 392:Instant payment 338: 330: 329: 253: 236: 235: 71: 39: 28: 23: 22: 15: 12: 11: 5: 4561: 4559: 4551: 4550: 4545: 4540: 4538:Social economy 4535: 4530: 4520: 4519: 4513: 4512: 4510: 4509: 4506:List of topics 4502: 4494: 4491: 4490: 4488: 4487: 4482: 4481: 4480: 4475: 4470: 4465: 4460: 4455: 4450: 4445: 4440: 4435: 4421: 4416: 4415: 4414: 4400: 4399: 4398: 4393: 4391:Burial society 4381: 4380: 4379: 4373:§235–238; §240 4365:§100–105; §126 4357: 4351: 4349: 4343: 4342: 4340: 4339: 4338: 4337: 4332: 4327: 4322: 4317: 4315:Climate change 4307: 4305:United Kingdom 4302: 4297: 4292: 4287: 4282: 4276: 4274: 4268: 4267: 4265: 4264: 4263: 4262: 4252: 4250:Underinsurance 4247: 4242: 4240:Self-insurance 4237: 4232: 4227: 4222: 4217: 4212: 4207: 4202: 4197: 4190: 4185: 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339: 337:Funds transfer 336: 335: 332: 331: 326: 325: 324: 323: 318: 313: 308: 300: 299: 295: 294: 290: 289: 284: 279: 274: 269: 267:Christmas club 261: 260: 254: 242: 241: 238: 237: 232:Lists of banks 229: 228: 223: 218: 213: 208: 203: 198: 193: 188: 186:Postal savings 183: 178: 173: 168: 163: 161:Mutual savings 158: 153: 148: 143: 138: 133: 128: 123: 118: 113: 108: 103: 98: 93: 88: 83: 78: 72: 70:Types of banks 69: 68: 65: 64: 56: 55: 49: 48: 26: 24: 14: 13: 10: 9: 6: 4: 3: 2: 4560: 4549: 4546: 4544: 4541: 4539: 4536: 4534: 4531: 4529: 4528:Credit unions 4526: 4525: 4523: 4508: 4507: 4503: 4501: 4500: 4496: 4495: 4492: 4486: 4483: 4479: 4476: 4474: 4471: 4469: 4466: 4464: 4461: 4459: 4456: 4454: 4451: 4449: 4446: 4444: 4441: 4439: 4436: 4434: 4431: 4430: 4429: 4425: 4422: 4420: 4417: 4413: 4412: 4408: 4407: 4406: 4405: 4401: 4397: 4394: 4392: 4389: 4388: 4387: 4386: 4382: 4378: 4374: 4370: 4366: 4363: 4362: 4361: 4358: 4356: 4353: 4352: 4350: 4348: 4344: 4336: 4333: 4331: 4328: 4326: 4323: 4321: 4318: 4316: 4313: 4312: 4311: 4310:United States 4308: 4306: 4303: 4301: 4298: 4296: 4293: 4291: 4288: 4286: 4283: 4281: 4278: 4277: 4275: 4269: 4261: 4258: 4257: 4256: 4253: 4251: 4248: 4246: 4243: 4241: 4238: 4236: 4233: 4231: 4228: 4226: 4223: 4221: 4218: 4216: 4213: 4211: 4208: 4206: 4203: 4201: 4198: 4196: 4195: 4194:Force majeure 4191: 4189: 4186: 4182: 4179: 4177: 4174: 4172: 4169: 4168: 4167: 4164: 4160: 4157: 4156: 4155: 4152: 4147: 4145: 4144: 4140: 4139: 4138: 4135: 4133: 4130: 4128: 4125: 4123: 4120: 4116: 4115:Value of life 4113: 4111: 4107: 4104: 4102: 4099: 4097: 4094: 4092: 4089: 4087: 4084: 4082: 4079: 4078: 4077: 4074: 4072: 4069: 4068: 4066: 4064: 4059: 4053: 4043: 4040: 4038: 4035: 4033: 4030: 4028: 4025: 4023: 4020: 4018: 4015: 4013: 4010: 4008: 4005: 4003: 4000: 3998: 3995: 3993: 3990: 3988: 3985: 3983: 3980: 3978: 3977:Interest rate 3975: 3971: 3968: 3967: 3966: 3963: 3961: 3958: 3956: 3953: 3951: 3948: 3946: 3943: 3941: 3938: 3934: 3931: 3929: 3926: 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D. H. Cole 3370: 3369: 3367: 3365:Key theorists 3363: 3357: 3354: 3352: 3349: 3347: 3344: 3342: 3339: 3337: 3334: 3332: 3329: 3327: 3324: 3322: 3319: 3317: 3314: 3312: 3309: 3307: 3304: 3302: 3299: 3298: 3296: 3291:Political and 3288: 3282: 3279: 3277: 3274: 3273: 3271: 3267: 3263: 3256: 3252: 3238: 3237: 3233: 3231: 3230: 3226: 3224: 3221: 3219: 3216: 3215: 3213: 3209: 3199: 3196: 3194: 3191: 3189: 3186: 3184: 3181: 3177: 3174: 3173: 3172: 3169: 3168: 3166: 3162: 3156: 3153: 3151: 3148: 3147: 3145: 3141: 3135: 3132: 3130: 3127: 3125: 3122: 3120: 3117: 3116: 3114: 3111: 3107: 3103: 3097: 3094: 3092: 3089: 3087: 3086:Reforestation 3084: 3082: 3079: 3078: 3076: 3074: 3070: 3062: 3059: 3057: 3054: 3053: 3052: 3049: 3047: 3044: 3042: 3039: 3037: 3034: 3033: 3031: 3029: 3025: 3019: 3016: 3014: 3011: 3009: 3006: 3004: 3001: 3000: 2998: 2996: 2992: 2989: 2985: 2975: 2972: 2970: 2967: 2966: 2964: 2961: 2957: 2953: 2947: 2944: 2942: 2939: 2936: 2932: 2929: 2927: 2924: 2923: 2921: 2918: 2913: 2910: 2908:By governance 2906: 2902: 2898:Organizations 2895: 2891: 2887: 2883: 2876: 2871: 2869: 2864: 2862: 2857: 2856: 2853: 2841: 2838: 2836: 2833: 2831: 2828: 2826: 2823: 2821: 2818: 2816: 2813: 2811: 2808: 2806: 2803: 2801: 2798: 2797: 2795: 2791: 2785: 2782: 2780: 2777: 2775: 2772: 2770: 2767: 2766: 2764: 2760: 2756: 2749: 2744: 2742: 2737: 2735: 2730: 2729: 2726: 2719: 2716: 2713: 2710: 2707: 2704: 2701: 2698: 2695: 2692: 2691: 2687: 2683: 2679: 2675: 2671: 2668: 2664: 2661: 2658: 2654: 2651: 2650: 2646: 2639: 2628: 2624: 2618: 2615: 2603: 2599: 2593: 2590: 2578: 2574: 2568: 2565: 2560: 2559: 2554: 2548: 2545: 2534:on 2019-04-19 2533: 2529: 2523: 2520: 2515: 2511: 2507: 2501: 2498: 2493: 2491:9789221108528 2487: 2483: 2482: 2474: 2471: 2460: 2454: 2451: 2439: 2437:9781439110133 2433: 2429: 2428: 2420: 2417: 2404: 2400: 2393: 2390: 2385: 2383:9788183564472 2379: 2375: 2374: 2366: 2363: 2359: 2355: 2349: 2347: 2343: 2337: 2334: 2331: 2325: 2322: 2319: 2313: 2310: 2304: 2299: 2295: 2291: 2287: 2280: 2277: 2272: 2265: 2262: 2257: 2253: 2249: 2242: 2239: 2228:on 2012-04-26 2227: 2223: 2217: 2214: 2203: 2197: 2195: 2193: 2189: 2176: 2172: 2166: 2163: 2150: 2146: 2140: 2137: 2126:on 2009-02-12 2125: 2121: 2115: 2113: 2109: 2103: 2101: 2097: 2093: 2092: 2088:Amr Khafagy, 2085: 2082: 2077: 2073: 2067: 2065: 2063: 2059: 2054: 2050: 2046: 2042: 2038: 2034: 2027: 2024: 2019: 2015: 2011: 2007: 2003: 1996: 1993: 1988: 1984: 1978: 1975: 1970: 1966: 1962: 1956: 1953: 1942:on 2013-03-05 1941: 1937: 1931: 1928: 1924: 1920: 1915: 1912: 1908: 1904: 1898: 1895: 1891: 1885: 1882: 1878:. April 2017. 1874: 1868: 1865: 1854:on 2018-11-29 1853: 1849: 1843: 1840: 1829:on 2019-08-28 1828: 1824: 1820: 1814: 1811: 1806: 1802: 1798: 1794: 1790: 1786: 1779: 1772: 1769: 1764: 1758: 1755: 1744:on 2009-03-25 1740: 1733: 1727: 1724: 1720: 1715: 1712: 1707: 1705:0-13-063085-3 1701: 1697: 1693: 1687: 1684: 1672:on 2009-05-09 1668: 1664: 1657: 1651: 1649: 1647: 1643: 1637: 1633: 1630: 1628: 1625: 1623: 1620: 1618: 1615: 1613: 1610: 1608: 1605: 1603: 1600: 1598: 1595: 1593: 1590: 1588: 1585: 1583: 1580: 1578: 1575: 1573: 1570: 1569: 1565: 1554: 1549: 1547: 1545: 1541: 1538: 1534: 1526: 1522: 1517: 1515: 1511: 1507: 1499: 1497: 1495: 1491: 1489: 1485: 1481: 1476: 1472: 1470: 1466: 1461: 1457: 1454: 1450: 1446: 1438: 1436: 1434: 1430: 1424: 1416: 1414: 1412: 1408: 1404: 1400: 1391: 1389: 1387: 1383: 1378: 1374: 1373:Latin America 1370: 1365: 1363: 1358: 1354: 1350: 1346: 1342: 1338: 1335: 1331: 1327: 1322: 1320: 1319: 1314: 1310: 1306: 1302: 1297: 1295: 1291: 1287: 1283: 1279: 1275: 1270: 1267: 1263: 1259: 1253: 1239: 1235: 1230: 1223: 1219: 1212: 1210: 1206: 1204: 1200: 1196: 1195:United States 1191: 1189: 1185: 1181: 1177: 1169: 1165: 1160: 1153: 1151: 1149: 1145: 1141: 1136: 1134: 1130: 1126: 1122: 1118: 1110: 1108: 1104: 1102: 1098: 1092: 1090: 1086: 1077: 1070: 1068: 1066: 1061: 1059: 1058: 1053: 1048: 1044: 1042: 1038: 1034: 1031: 1027: 1023: 1019: 1015: 1011: 1007: 1003: 999: 995: 992: 989: 985: 976: 965: 960: 958: 953: 951: 946: 945: 943: 942: 937: 933: 929: 927: 919: 917: 909: 908: 907: 906: 899: 898: 895: 894:Watered stock 892: 890: 887: 885: 882: 880: 877: 875: 874:Systemic risk 872: 870: 867: 865: 862: 860: 857: 855: 852: 850: 847: 845: 842: 840: 837: 835: 834:List of banks 832: 830: 827: 823: 820: 818: 815: 813: 810: 808: 805: 803: 800: 799: 798: 795: 793: 790: 788: 785: 783: 780: 778: 775: 773: 770: 768: 765: 763: 760: 758: 755: 753: 752:Asset pricing 750: 749: 743: 742: 731: 728: 726: 723: 721: 718: 716: 713: 711: 708: 706: 703: 701: 698: 696: 693: 691: 688: 686: 683: 681: 678: 676: 673: 671: 668: 666: 663: 661: 658: 656: 653: 651: 648: 646: 643: 641: 638: 636: 633: 631: 628: 626: 623: 621: 618: 616: 613: 609: 606: 604: 601: 599: 596: 594: 591: 589: 586: 584: 581: 579: 576: 574: 571: 569: 566: 565: 564: 561: 559: 556: 554: 551: 549: 546: 544: 541: 539: 536: 534: 531: 529: 526: 524: 523:Eco-investing 521: 519: 516: 514: 513:Disinvestment 511: 509: 506: 504: 501: 499: 496: 494: 493:Capital asset 491: 489: 486: 484: 481: 479: 476: 474: 471: 469: 466: 462: 459: 457: 454: 453: 452: 449: 448: 447: 446: 438: 437: 430: 427: 425: 422: 420: 417: 415: 412: 408: 405: 404: 403: 400: 398: 395: 393: 390: 388: 385: 381: 378: 376: 373: 372: 371: 368: 364: 361: 359: 356: 355: 354: 351: 349: 346: 344: 341: 340: 334: 333: 322: 319: 317: 314: 312: 309: 307: 304: 303: 302: 301: 296: 293: 288: 285: 283: 280: 278: 275: 273: 270: 268: 265: 264: 263: 262: 257: 252: 249: 245: 240: 239: 234: 233: 227: 224: 222: 219: 217: 214: 212: 209: 207: 204: 202: 199: 197: 194: 192: 189: 187: 184: 182: 179: 177: 176:Participation 174: 172: 169: 167: 164: 162: 159: 157: 156:Middle market 154: 152: 149: 147: 144: 142: 139: 137: 134: 132: 129: 127: 124: 122: 119: 117: 114: 112: 109: 107: 104: 102: 99: 97: 94: 92: 89: 87: 86:Bulge bracket 84: 82: 79: 77: 74: 73: 67: 66: 62: 58: 57: 54: 50: 47: 43: 42: 37: 33: 19: 4504: 4497: 4443:Credit union 4442: 4409: 4402: 4383: 4255:Underwriting 4210:Insurability 4192: 4171:Co-insurance 4141: 4137:Cancellation 3928:Catastrophic 3913:Climate risk 3741:Trade credit 3387:William King 3377:Charles Gide 3311:Distributism 3234: 3227: 3073:Agricultural 3003:Credit union 3002: 2882:Cooperatives 2774:Credit union 2773: 2673: 2666: 2656: 2637: 2632:September 7, 2630:. 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Index

SACCO
Desjardins Group
Sacco (disambiguation)
financial services
Banking

Advising
Banq
Bulge bracket
Central
Commercial
Community development
Cooperative
Credit union
Custodian
Depository
Development
Direct
Export credit agency
Investment
Industrial
Merchant
Middle market
Mutual savings
Neobank
Offshore
Participation
Payments
Postal savings
Private

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