Search results for "jel:P13"
showing 10 items of 23 documents
La identidad cooperativa como garantía de futuro: las cooperativas de crédito ante la trivialización de sus principios
2002
Co-operative credit associations have been facing for some time the problem of compatibilising the essential principals which inspire the co-operative movement with the demands of ever more complex and competitive markets. In this context a tendency can be appreciated towards a relaxation of these principals as a means of facing the competitition offered by merchantile companies and adapting themselves to the greater need for stable resources in the form of capital. Under this perspective it is aimed to realise a vision of the problem in the Co-operative credit associations, appreciating two significative cases sucha s Crédit Agricole and the British Building Societies in order to, finally,…
Las peculiaridades de las secciones de crédito de las cooperativas: sus repercusiones en el caso valenciano
1999
El presente artículo tiene por objeto analizar en qué medida las especificidades jurídicas y económicas de las secciones de crédito de las cooperativas condicionan su actividad bancaria. Aunque no tengan consideración de entidades de crédito, estas secciones prestan servicios de depósito, pago y crédito a sus socios. No obstante, las limitaciones existentes para el desarrollo de la actividad crediticia y las especiales características del negocio financiero afectan de forma directa en el desarrollo de estas secciones. Esta serie de condicionantes obliga a prestar especial atención a la vigilancia de estas cooperativas, al igual que se realiza con el conjunto de empresas bancarias, a fin de …
Problemática laboral de los socios trabajadores de las empresas de Economía Social: ¿socios o trabajadores?
1999
Co-operatives and labour societies are the most important organisations within the framework of Social Economy. The establishment of these societies, which create employment in the private sector with a democratic philosophy based on mutual help, has been recently boosted thanks to the support of public power. Their growing importance can be explained by three factors: the Employment Policy, the Social Policy and the productive decentralisation. As far as labour is concerned, these societies offer the following advantages: intensive use of labour, high rate of stability in employment, high levels of productivity, training and surplus re-inversion, lower rate of inflation, fewer conflicts th…
Las cooperativas de crédito como entidades colaboradoras de la Administración tributaria
2000
Nowadays the collaboration of private citizens in tax collection management is essential for effective tax collection. For credit cooperatives, collaborating with the State Agency for Tax Administration in tax collection management means public recognition of their ability as financial operators and their economic standing and financial management capability, as well as the possibility of providing more services for their members.
La conformación del cooperativismo en Brasil: tendencias y desafíos en el Siglo XXI
2002
The paper deals with the subject of cooperativism focusing on a view of the co-operative system in Brazil, as well as the process of formation and consolidation of the models and the influences of the different aspects of co-operative thought. We then present an analysis of the process of economic modernisation and the transformations in the co-operative system in the 70s to 90s decades, and lastly, we analyse the current tendencies and challenges for cooperativism in Brazil.
The Prospects for the Social Economy in a Changing World
1997
Even if the ‘social economy’ has traditionally been marginalized and a subordinated form of production within capitalist societies, the economic, social, territorial and environmental problems of the present times have tended to make it a strategic instrument. This is not only because of its qualities as an economic and management instrument, but also because it is an expression of a dynamic and creative civil society. The aim of this paper is to show the potential of the social economy, the way it has been encapsulated during the postwar period and the conditions that now favour its full development. In the face of new challenges, the efficiency criterion, hitherto used to assess alternati…
Presentación del monográfico ‘Economía social y sector no lucrativo’
2001
La financiación de la adquisición de viviendas: crecimiento y sus repercusiones para las cooperativas de crédito españolas
2001
La financiación de viviendas ha sido durante los últimos veinte años la actividad de crédito bancario más dinámica. A lo largo de ese período se han producido transformaciones significativas que han dotado al mercado hipotecario de una gran flexibilidad y de altas dosis de competencia. Antes de las reformas de los años 80 era un mercado con fuertes limitaciones y restringido a cajas de ahorros y al Banco Hipotecario de España. A partir de entonces se ha flexibilizado la obtención de recursos y se ha permitido la entrada de nuevos agentes. No obstante, a la hora de elegir una entidad a la hora de solicitar un crédito para adquisición de una vivienda, las familias han tenido en cuenta, además…
La economía social como enfoque metodológico, como objeto de estudio y como disciplina científica
1999
This article continues an article written by the same author and published by CIRIEC-España in 1997 (no. 25). It analyses social economy at three cognitive levels: first, as a social reality (Social Economy); second, as a scientific discipline which studies its previous reality (the science of Social Economy); third, as a methodological approach in social sciences (the approach of Social Economy). The author claims that, at these three levels, social economy becomes an alternative way of “making the economy”.
Transparencia y nuevas tecnologías en las Cooperativas de crédito
2004
An international reaction was required to the financial scandals of recent years, and some States started to reform corporate governance. Two main systems were used – self-regulation through good governance codes, and legislative measures to achieve transparency in financial markets. The principle of transparency is based on two premises – corporate governance and business information in the framework of new technologies. This study analyses the enforcement of the new Spanish legislation on transparency in credit cooperatives from a dual perspective – that of organisational structure, and members’ rights to information and the use of new technologies.