COOPERATIVE AND MUTUAL

BANK

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•
Group 5
Adinna Octa Martaningtyas
(1988203002)
• Puji Lestari (1988203008)
• Syifa Fuadiyah Rinadi
(1988203015)
• Sheila Ade Melinda
(1988203023)
 The Definition
According to Wikipedia, Cooperative banking is retail and commercial
banking organized on a cooperative basis. Cooperative banking
institutions take deposits and lend money in most parts of the world.

According to Wikipedia the function of cooperative banks are owned

by their customers and follow the cooperative principle of one person,
one vote. Co-operative banks are often regulated under both banking and
cooperative legislation. They provide services such as savings and loans
to non-members as well as to members, and some participate in the
wholesale markets for bonds, money and even equities.
 Bank Activities
According to Wikipedia Cooperative banking, as discussed
here, includes retail banking carried out by credit unions, mutual
savings banks, building societies and cooperatives, as well as
commercial banking services provided by mutual organizations
(such as cooperative federations) to cooperative businesses.
 Bank Products

According to https://www.co-operativebank.co.uk/products/
There are 7 products :
• Bank accounts
• Savings and ISAs
• Insurance
• Mortgages
• Credit cards
• Loans
• Online and mobile banking
 Advantages And Disadvantages
According to https://brainly.in/question/2978515
and https://www.bartleby.com/essay/Advantages-And-Disadvantages-Of-Cooperative-Bank-FJM53QCJU

Advantages of cooperative bank: Disadvantages of cooperative bank:

• Organizational and financial limitations of
• Cooperative banks play an important role
cooperative banks greatly reduce their
in promoting rural finance.
ability to provide adequate credit to the
• An effective alternative to the trader's
rural population.
faulty loan system of the lender of the
• The overdue loans of co-operative
village.
institutions which have been growing
• The co-operative banks make rural credit
steadily for years.
both direct and indirect.
• There have been major regional
• Cooperative banks encourage savings and
inequalities in the distribution of loans of
investment by developing savings habits
cooperative banks.
among the general public.
• Most of the benefits of cooperative banks
• Cooperative banks also help in the
are taken by large landowners due to their
beginning of better agricultural methods.
strong socio-economic status.
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