Search results for "jel:P1"

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”.

MANAGEMENT CHALLENGES - A PREVIEW IN FUTURE OF CAPITALISM

2012

The economic crisis comes in the context the deepest political crisis faced by the EU today. Economic catastrophe led to the strongest economic crisis since the '30s. Downturns were commonly explained using technical arguments, economic or financial reasons. Because they were discussed by experts in language often inaccessible, so often we face today and dangerous misunderstanding of the population crisis. When talking about economic crises tend to forget that they come in a political context, social and cultural. At the same time, how society reacts to the crisis is decisively influenced by the values it embraces.

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.

Presentación del monográfico: "Fondos estructurales de la Unión Europea: balance, reforma y perspectivas"

2000

Las políticas públicas de igualdad en el empleo y la economía social y cooperativa

2004

There are different policies for equality in employment, different “equality plans”, different guidelines, etc. at various levels (European, national, Autonomous Community, etc.) which aim to reduce inequality between men and women in labour matters, such as wages, employment rates, etc. Measures also exist in the social economy to achieve equality between men and women because this principle is behind the cooperation or cooperative principles on which the social economy is based.

Las secciones de crédito en el ordenamiento jurídico español

1999

A credit section is an economic and functional demarcation within a co-operative that, without having an independent juridical personality out of the co-operative it belongs, operates as a financial entity, limiting its active and passive operations to the co-operative and its members. The credit sections are recognized by all the autonomical co-operative laws and they have been especially regulated in Catalonia and the Valencian Community. The regulation contained in the Ley de Cooperativas 27/1999 (Law of Co-operatives 27/1999) clearly restricts the subjective and objective field of activity of the credit sections, but it does not limit the action sphere of co-operatives governed by the a…

La contabilidad de las cooperativas al día

2003

The proposal of an adaptation of the National Accounting System (PGC) for the Cooperative sector has seen fruition in a Project, currently at the draft stage, published by the Instituto de Contabilidad y Auditoría de Cuantas (ICAC) and disseminated in several forums with the aim of: being spread in co-operative circles, giving sufficient time to take on the changes implied in adopting the project, debating the new aspects and proposing alternative solutions, among others. This paper aims to provide a critical commentary for some of the more controversial aspects the new regulations raise.

Economía social y sector no lucrativo: Actualidad científica y perspectivas

2001

In this paper, we intend to analyze some scientific questions of current importance in the Social Economy field and Non-profit sector. In the first place, we show the growing economical importance of this field in Europe, based on the results obtained in the last transnational study. Secondly, we try to think about the concept of non-profit as well as about the position of co-operatives and associations within the Non-profit sector, introducing some criteria of analysis. Immediately after, we study this economical field under a “social” point of view. Finally, the paper analyses the place and content of Social Economy, both business and non-profit sectors, within the limits of European publ…

La economía social ¿alternativa a la gestión pública o vanguardia de la privatización de servicios? Una definición del sector de servicios de apoyo a…

2001

A number of social economy organizations with different legal forms have appeared in Spain since the eighties and have developed a growing activity in the provision of personal support services, usually in the private management of public services and occasionally in the private sector. The novelty of this type of organization, the peculiarities of their origin and business development, their uncertain future and the relevance of the experience accumulated in the short but intensive years of their existence - as well as their importance in job creation and in training professionals in social intervention - justify a detailed study of their current situation with regard to resource bases and…