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In a nutshell, they provide the same financial services as banks, but focus
on shared value, rather than profit maximization. The self proclaimed goal
is to help members create opportunities like starting small businesses,
expanding farms, or building family homes whilst investing back in to
communities. They are controlled by their members, who also elect the
board of directors democratically.
Singkatnya, mereka menyediakan layanan keuangan sama
dengan bank, tetapi fokus pada nilai bersama, bukan
maksimalisasi keuntungan. Tujuanya adalah untuk membantu
debitur menciptakan peluang seperti memulai usaha kecil,
memperluas peternakan, atau membangun rumah keluarga
sementara investasi kembali ke masyarakat. Mereka dikendalikan
oleh anggota mereka, yang juga memilih dewan direksi secara
demokratis.
Worldwide, credit union systems vary significantly, ranging from a handful
of members to organizations worth several billion US Dollars and hundreds
of thousands of members. The focus on benefits for their members
impacts the risk credit unions are willing to take. Which explains why
Credit Unions, although also hurting, survived the last financial crisis way
better than traditional banks. Not to forget the explosion of crowdfunding
in recent years. Aside from making awesome video games possible,
platforms arose that enabled people to get loans from large groups of
small investors, circumventing the bank as a middle man. But it also
works for industry.
Di seluruh dunia, sistem serikat kredit sangat bervariasi, mulai
dari segelintir anggota untuk organisasi senilai beberapa miliar
Dolar AS dan ratusan ribu anggota. Fokus pada manfaat bagi
anggota dampaknya serikat kredit risiko bersedia untuk
mengambil. Yang menjelaskan mengapa Koperasi Simpan Pinjam,
meskipun juga menyakiti, selamat dalam krisis keuangan terakhir
lebih baik daripada bank tradisional. Tak ketinggalan ledakan