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'Women in the Irish Credit Union Movement' concerns the gender profile of credit unions in Ireland. This book establishes and documents the role played by women in the Irish credit union movement, both in the Republic of Ireland and in Northern Ireland.
This thesis explores the relationship between organisational effectiveness and member participation in Irish credit unions. It is hypothesised that a positive relationship exists between both variables. Co-operative literature suggests that co-operatives require the involvement of the members in identifying and meeting their own needs in order to be effective organisations. Previous research studies into the issue across a variety of organisational types have shown mixed results. Related research into credit unions is sparse. The primary research undertaken is both quantitative and qualitative in approach. Organisational effectiveness is examined in both quantitative and qualitative terms. Member participation, being an organisational process, is examined in qualitative terms. Indicators of organisational effectiveness, specific to credit unions, are drawn up and form a framework through which effectiveness is examined. A typology and indicators of member participation are also developed and form a framework through which member participation is examined. The case study method is used primarily, to examine organisational effectiveness and member participation in Irish credit unions. A case study of a theoretical credit union, which is based on a composite of good practice in credit unions in Ireland and internationally, is also drawn up to develop the analysis further. The case studies allow an analysis of both organisational effectiveness and member participation, as well as an exploration of the relationship between the two. The findings support the hypothesis that there is a direct relationship between the two variables. In order to be effective, credit unions must involve their members in identifying their needs and in designing services to meet these needs. At present, they do not do this to any large extent. In order to continue to meet the needs of their members and to compete in the financial services sector, credit unions will need to find ways of involving members, drawing on good practice in other co-operatives. This will be critical to their continued success.
Credit Unions date back to community-based, co-operative banking that arose in Germany in the nineteenth century. In Canada, the first adherents gathered in Quebec; the caisses populaires were begun by Alphonse Desjardins in 1900. At a recent congress of the World Council of Credit Unions, in Vancouver, B.C. over 2,000 delegates from 85 countries represented 36,000 credit unions with 90 million members and $380 billion (US) is assets. As this book shows, growth has not always been easy; credit unions around the world took hold in a variety of social, political and cultural systems.
Focusing on the Irish Credit Union movement, this guidebook places credit unions in their appropriate context as part of the wider co-operative movement and then describes the key issues concerning credit unions: their legal basis, formation, finances, procedures, meetings, supervision and control. It also outlines in detail credit union members' rights and responsibilities under the rules and wider law, and concludes with some informative profiles of individual credit unions. This new edition is fully updated and includes the Credit Union Act of 1997 and other developments.
The Irish credit union movement is a modern financial phenomenon with unique market penetration, even in a global context. This book is aimed at credit union staff and volunteers, those involved in the regulation and supervision of credit unions as well as to accountants in practice.
This book examines the development and operation of credit unions. It provides a comparative framework for assessing the performance of credit unions and looks at their potential for growth in the financial services industry.