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The Shaping of Credit Union Development (Paperback)
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The Shaping of Credit Union Development (Paperback)
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A credit union is a financial co-operative. Its origins can be
traced to the co-operative movement and the Rochdale Society of
Equitable Pioneers. There are many factors that have contributed
towards their development - economic hardship, the co- operative
movement, the influence of credit union pioneers and a credit union
legislative framework. Commentators have suggested that a
restrictive legislative framework has limited their impact in Great
Britain. However, a favourable statutory framework has helped the
development of credit unions in the United States and Ireland. The
study suggests that, even when the laws are similar in facilitating
credit unions, there are other factors which may encourage or
impede their development. There are two models of credit union
development, the old and new. Research illustrates that the new
model assists their growth. Whilst adopting the necessary legal
framework, the British Government has adopted the new model.
Clearly, then, politics and policies as well as often social
factors can crucially influence how effective the legal frameworks
can be.
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