
credit union

credit union anedi sabhyula yaajamaanyamloni laabhaapekshaleni sahakaara aardhika samstha.
credit unionlu share khaataalu (podupu khaataalu), share draft khaataalu (check khaataalu), credit kaardulu, credit, share turm sartifiketlu (deposit sartifiketlu) mariyu online banking vanti vaanijya byankulugaa aardhika sevalanu andinchavacchu. saadhaaranamgaa, credit union sabhyudu matrame dabbunu jama cheyavachu ledhaa runam teesukovachhu. aneka african deshaalalo, runa sanghaalanu saadhaaranamgaa saccos (podupu mariyu runa sahakaara sanghaalu) anie pilustaaru.
prapanchavyaaptamgaa, credit union vyavasthalu vaati mottam aastulu mariyu sagatu samstha aasti parimaanamlo gananeeyamgaa maarutuu untaayi, konni sabhyulatho swachchanda karyakalapala nundi vandala vaela mandhi sabhyulatho unna samsthala varaku mariyu billionla dollarla viluvaina aastulu. 2018loe, prapanchavyaaptamgaa credit unionlalo sabhyula sankhya 375 millionlu, 2016 nundi 100 millionlaku paiga sabhyulanu chaerchaaru.
2007-2008 aardhika sankshobhaaniki daariteesina vaanijya byaankulu credit unionlatho poliste sumaru aidu retlu ekkuva sub prime runaalalo nimagnamai unnaayi mariyu sankshobha samayamlo viphalamayye avakaasam rendunnara retlu ekkuva. 2008 mariyu 2016 madhyakaalamlo american credit unionlu chinna vyaapaaraalaku runaalu ivvadam rettimpu kante ekkuva, $30 billionla nundi $60 biliyanlaku, adhe kaalamlo mottam chinna vyaapaaraalaku runaalu ivvadam sumaru $100 biliyanlu taggindi. pedda byaankulaku 30 saatamgaa undagaa, samyukta rashtraallo runa sanghaalapai prajala nammakam 60 saatamgaa undhi. antekakunda, chinna vyaparalu pedda byaanku kante credit union dwara santrupti chendhe avakaasam 80 saatam ekkuva.
"sahaja-vyakti runa sanghaalu" ("retail credit unionlu" ledhaa "viniyogadaarula runa sanghaalu" anie kooda pilustaaru) itara runa sanghaalaku sevalu andinche "corporate credit unionla" nundi vaerugaa vyaktulaku sevalu andistaayi.
itara aardhika samsthalatho vibhedaalu.
credit unionlu byaankulu mariyu itara aardhika samsthalaku bhinnamgaa untaayi, endukante credit unionlo khaataalu unnavaaru daani sabhyulu mariyu yajamaanulu, mariyu vaaru pettubadi pettina mottamto sambandham lekunda oka vyakti-oka ootu vyavasthalo tama directorla bordunu ennukuntaaru. credit unionlu tamanu taamu pradhana sravanti byaankulaku bhinnamgaa bhaavistaayi, community-oriyentedgaa undataaniki mariyu "prajalaku seva cheyadam, labham kaadu" anae lakshyamtho.
byaankulu mariyu credit unionlaloni viniyogadaarula sarvelu credit unionlaloni seva yokka naanhyathatho gananeeyamgaa adhika customer santrupti retlanu sthiramgaa choopinchaayi. credit unionlu chaaritraatmakamgaa unnata sabhya sevalanu andistunnatlu mariyu sabhyulu vaari aardhika paristhitini meruguparachadamlo sahaayapadataaniki kattubadi unnayani perkonnaayi. aardhika cherika sandarbhamlo, runa sanghaalu chaalaa suukshma aardhika samsthala kante tama sabhyulaku chaalaa takkuva kharchutho vistruta shreni runaalu mariyu podupu utpattulanu andistunnatlu paerkontunnaayi.
credit unionlu aadhunika microphynance nundi bhinnamgaa untaayi. mukhyamgaa, aardhika vanarulapai sabhyula niyantrana sahakaara namuunaa mariyu aadhunika suukshma aardhika vyavastha madhya pratyeka lakshanam. labhapeksha laeni ledhaa labhapeksha laeni samsthalachae andinchabadina microphynance yokka prastuta aadhipatya namuunaa, aardhika vanarulapai niyantrananu mariyu vaati ketaayimpunu adhika laabhadaayaka rangam nundi prayojanam pondhe chinna sankhyalo microphynance providerla chetullo unchutundi.
labhapeksha laeni hodha.
credit union sandarbhamlo, "labhapeksha laenidi" anedi swachchanda samstha nundi vaeru cheyabadaali. credit unionlu "labhapeksha laenivi" endukante vaati uddesyam laabhaalanu penchadam kante tama sabhyulaku seva cheyadam, kabatti swachchanda samsthala maadirigaa kakunda, credit unionlu viraalaalapai aadharapadavu mariyu aardhika paramgaa, chinna labhanni sampaadinchaalsina aardhika samsthalu (antey.ii.laabhaapekshaleni accounting paramgaa, "migulu") unikilo untundi. varald council off credit unionla (voku) prakaram, muuladhanam mariyu runa vimochananu konasaaginchadaaniki credit union yokka aadaayaalu (runaalu mariyu pettubadula nundi) daani nirvahana kharchulu mariyu dividendlanu (depositlapy chellinche vaddii) minchipovali.
samyukta rashtraalalo, rashtra credit union chattam kinda vileenam cheyabadina mariyu panichestunna credit unionlu section 501 (sii) (14) (eah) kinda pannu minahaayimpu pondaayi. federal credit union chattam prakaram nirvahinchabadutunna mariyu nirvahinchabadutunna federal credit unionlu section 501 (sii) (1) kinda pannu minahaayimpu pondutaayi.
prapancha uniki.
varald council off credit unionla (voku) prakaram, 2018 chivari natiki 118 deshaalalo 85,400 credit unionlu unnaayi. samishtiga vaaru 274.2 millionla mandhi sabhyulaku sevalu andinchaaru mariyu maaku $2.19 trillionla aastulanu paryaveekshinchaaru. vaakulo sahakaara byaankula nundi dayta undadu, kabatti, udaaharanaku, saadhaaranamgaa credit unionism yokka maargadarsakulugaa pariganinchabade germany, france, netherlands mariyu italii vanti konni deshaalu ellappuduu vaari detaalo cherchabadavu. european association off koo-operative byaankulu 2010 chivari natiki aaa naalugu deshaalalo 38 millionla mandhi sabhyulanu nivedinchaayi.
atyadhika credit union karyakalapalu unna deshaalu chaalaa vaividhyamgaa unnaayi. voku prakaram, atyadhika sankhyalo credit union sabhyatvam kaligina deshaalu united states (101 million), bharatadesam (20 million), kenada (10 million), brazil (6 million), dakshina korea (5.7 million), phillippeans (5.4 million), kenya mariyu mexico (5.5 million), ekuvador (4.8 million), australia (4.5 million), thailand (41 million), columbia (36 million), ireland (33 million).
aardhikamgaa churukaina janabhalo atyadhika saatam credit union sabhyulu unna deshaalalo barbados (82 saatam), ireland (75 saatam), grenada (72 saatam), trinidad & tobago (68 saatam), belize mariyu seyint. lucia (okkokkati 67 saatam), St. kitts & nevis (58 saatam), jamaika (okkokkati 53 saatam), antigua mariyu barbuda (49 saatam), united states (48 saatam), ekuvador (47 saatam) mariyu kenada (43 saatam). australia mariyu dakshina korea maadirigaane aneka african mariyu latin american deshaalu kooda adhika credit union sabhyatva retlanu kaligi unnaayi. nivedikalo pariganinchina anni deshaala sagatu saatam 8.2 saatamgaa undhi. 1992loe polandlo credit unionlu praarambhinchabaddaayi; akkada 22 laksala mandhi sabhyulatho 2,000 credit union saakhalu unnaayi. 1996 nundi 2016 varaku, costa rikaalooni credit unionlu aardhika marketlo tama vatanu daadaapu moodu retlu penchaayi (avi market vatalo 3.7 saatam nundi 9.9 saataaniki perigayi), mariyu costa rikaalooni private ranga byaankulu ledhaa prabhutva yaajamaanyamloni byaankula kante vaegamgaa vruddhi chendaayi, aaa desamlo aardhika samskaranala taruvaata.
charitra.
"spolock gazdowski" ("" nirvaahakula sangham "" ledhaa "" raitula sangham "") 1845loe shamyul zurkovic chetha sthaapinchabadindi, idhi airopalo modati sahakaara samstha (credit union) ". sahakaara sangha sabhyulu kramam tappakunda podupu cheyadam dwara vachhe nidhula nundi chouka runaanni sahakaara sanghaalu andinchaayi. sahakaara sanghaala sabhyulu naitika jeevitaaniki kattubadi, prati samvatsaram bahiranga pradaesamloe rendu chetlanu natavalasi vachedi. daani uniki swalpakaalam unnappatikee, 1851 varaku, idhi slovakialo sahakaara udyamaaniki punaadi vesindi. slovac jaateeya aalochanaaparudu ludovit shtoor eee sangham gurinchi ilaa annaru "maa praantam antataa ituvanti adbhutamaina raajyaamgaalu sthaapinchabadaalani memu chaalaa korukuntunnamu. avi prajalanu chedu mariyu dukkham nundi rakshinchadaaniki sahaayapadataayi. oka andamaina, goppa aalochana, oka andamaina adbhutamaina rajyangam!"
aadhunika credit union charitra 1852 nundi, franz herman shulz-delitz rendu prayogaatmaka prajectula nundi neerchukoevadaanni ekikrutam chesindi, okati ilenberglo mariyu marokati saxony raajyamlooni delitzshlo, ivi saadhaaranamgaa prapanchamlooni modati credit unionlugaa gurtinchabaddaayi. ayana atyanta vijayavantamaina pattana runa sangha vyavasthanu abhivruddhi chesaaru. 1864loe, friedrich wilhelm raifisen germanyloni headdesdorff (ippudu newidelo bhaagam) loe modati graameena credit unionnu sthaapinchaaru. 1888loe raifisen maraninche samayaniki, credit unionlu italii, france, netherlands, ingland, austria mariyu itara deshaalaku vyaapinchayi.
uttara americalo mottamodati credit union, cubec, kenadaaloni kais populair dii levis, 1901 janavari 23naa 10 sentla depositto karyakalapalu praarambhinchindi. kenadian paarlamentulo vilekhari ayina vyavasthaapakudu alphons desordines 1897loe oka montrieller gurinchi telusukunnappudu, athanu oka vaddiidaaru nundi $150 runampai daadaapu $5,000 vaddii chellinchaalani kortu aadesinchinappudu thana missionu chepattadaaniki taralinchabaddaadu. european puurvagaamulanu vistrutamgaa vivaristuu, desordinlu cubec kosam oka pratyaekamaina parish aadhaarita namuunaanu abhivruddhi chesaru "kais populair".
united states loe, St. maries byaank credit union off manchester, nyuu hampshire, modati credit union. desordine, seyint nundi vyaktigata sandarsana dwara sahaayapadindi. maereesnu 1908 november 24naa french matlade valasadaarulu quebeck nundi manchesterku sthaapinchaaru. nyuu ingland antataa aneka chinna kenadaalu ilanti credit unionlanu erpaatu chesaayi, tarachugaa avasaram kaaranamgaa, aanglo-american byaankulu tarachugaa franco-american runaalanu tiraskarinchaayi. america yokka credit union museum ippudu aaa inti sthaanaanni aakraminchindi, ikkada nundi seyint. maries byaank credit union modata panichesindi. 1910 navambarulo mahilala vidya mariyu paarisraamika sangham desordine credit unionla aadhaaramgaa paarisraamika credit unionnu erpaatu chesindi, idhi grater boston praantamlooni prajalandarikee sevalu andinche modati vishwaasarahita aadhaarita community credit union. samyukta rashtraalalo atyanta puraatana raashtravyaapta credit union 1913loe sthaapinchabadindi. maries byaank credit union commonwealth off masachusets yokka yea nivaasitunikainaa sevalu andistundi.
1940laloe latin americaloni paedalaku sahayam cheyadaaniki catholic charchiche prothsahinchabadina taruvaata, credit unionlu 1950luu mariyu 1960laloe, mukhyamgaa bolivia, costa rica, dominican republic, honduras mariyu perulo vaegamgaa vistarinchaayi. praantiiya latin american credit unionla samakhya (colac) erpadindi mariyu eee praantaalalo inter-american development byaank credit unionla nidhulatho 1970la antataa mariyu 1980la praarambhamlo vaegamgaa vruddhi chendindi. 1988 natiki colac credit unionlu 17 deshaalalo 4 millionla sabhyulaku praatinidhyam vahinchaayi, sumaru $0.5 billionla runa portfolionu kaligi unnaayi. ayithe, 1970la chivari nundi aneka latin american credit unionlu dravyolbanam, stabdata sabhyatvam mariyu teevramaina runa recovery samasyalatho poradayi. 1980laloe uside vanti daata samsthalu saanketika sahayam andinchadam dwara latin american credit unionlanu punaravasam cheyadaaniki prayatninchaayi mariyu sthaanika janabha nundi depositlanu sameekarinchadampai credit unionla prayatnaalanu kendrikarinchayi. 1987loe, praantiiya aardhika sankshobham credit unionlapy prabhavam choopindi. gananeeyamaina upasamharanalu mariyu adhika default raetlu eee praantamlooni aneka credit unionlaku dravya samasyalaku kaaranamayyaayi.
sthirathvam mariyu pramaadaalu.
chaalaa adhikara paridhilooni credit unionlu mariyu byaankulu chattabaddhamgaa runaalaku aastula nilva avasaranni nirvahinchaalsina avasaram undhi. credit union ledhaa saampradaaya byaanku saanukuula nagadu pravahanni konasaginchalekapothe mariyu/ledhaa diwala prakatinchavalasi vasthe, daani aastulu diwala chattam prakaram seniority kramamlo runadaatalaku (depositorlatho sahaa) pampinhee cheyabadataayi. marinta mandhi senior runadaatalu chellinchina tarvaata mottam depositlu migilina aastulanu minchi unte, depositerlandaroo vaari prarambha depositlalo kontha ledhaa annintinee kolpotaru. ayithe, chaalaa adhikara paridhulalo deposit beema undhi, idhi depositorlanu garishta beema cheyadagina khaataa sthaayi varaku puurti chestaanani haamii istundi.
corporate.
credit unionlu vyaktigata viniyogadaarulaku matrame sevalanu andistaayi. "corporate credit unionlu" (kenadaalo "central credit unionlu" anie kooda pilustaaru) credit unionlaku kaaryaacharana maddatu, nidhula clearing panulu mariyu utpatti mariyu sevala pampinheetho sevalanu andistaayi.
leaglu mariyu sanghaalu.
sabhyulaku sevalanu andinchadaaniki runa sanghaalu tarachugaa tamalo taamu sahakaara sanghaalanu erpaatu chesukuntaayi. credit union servies organization (cuso) anedi saadhaaranamgaa eee prayojanam kosam erpadina okati ledhaa anthakante ekkuva credit unionla labhapeksha anubandha samstha. udaaharanaku, samyukta rashtraalalo atipedda credit-union yaajamaanyamloni inter byaank network ayina koo-opp financial services, credit unionlaku atm network mariyu shared branching sevalanu andistundi. credit unionla madhya sahakaara sanghaalaku itara udaaharanalalo credit counselling sevalu, beema, pettubadi sevalu unnaayi.
credit unionlu ledhaa viniyogadaarula kosam kaaryakramaalanu prothsahinchadaaniki rashtra credit union leaglu bayati samsthalatho bhagaswamyam cheyavachu. udaaharanaku, indiana credit union leag phileen research instituto credit union parisramalo aavishkaranalanu prothsahinchadaaniki upayoginche "ignite" anae choravanu spaansar chestundi.
credit union national association (quena) anedi united stateslo unna rashtra mariyu samakhya chartered credit unionla jaateeya vaanijya sangham. national credit union foundation anedi united states yokka credit union udyamam yokka praadhamika swachchanda vibhagam mariyu quena yokka anubandha samstha.
samakhya beema credit unionla jaateeya sangham (nafku) anedi anni rashtra mariyu samakhya-chartered credit unionlaku jaateeya vaanijya sangham. washington velupala unna, dii.sii.anni credit unionlaku samakhya nyaayavaada, sammati sahayam mariyu vidyanu andinchadam nafku yokka lakshyam.
varald council off credit unionlu (voku) prapanchavyaaptamgaa credit unionla kosam oka vaanijya sangham mariyu oka abhivruddhi samstha. prajalandari aardhika mariyu saamaajika abhivruddhiki samarthavanthamaina saadhanalugaa credit unionlu mariyu sambandhita samsthalanu nirvahinchadaaniki, vistarinchadaaniki, meruguparachadaaniki mariyu ekikrutam cheyadaaniki daani sabhyulaku mariyu sambhaavya sabhyulaku sahayam cheyadam voku yokka lakshyam.
annee.com anedi credit union nipunula online sangham.
deposit beema.
samyukta rashtraalalo, federal credit unionlu chartered cheyabadataayi mariyu national credit union administration (enn. sii. yuu. eah) chetha paryaveekshinchabadataayi, idhi federal deposit insurance corporation (eff. dii. ii. sii) byaankulaku deposit beemaanu andinche vidhananni pooli deposit beemaanu kooda andistundi. rashtra-chartered credit unionlanu rashtra aardhika niyantrana samstha paryaveekshistundi mariyu deposit beema pondavacchu, conny avasaram ledhu. gatamlo byaanku vaiphalyala samasyala kaaranamgaa, yea rashtram deposit beemaanu andinchadu mariyu depository beema kosam rendu praathamika vanarulu unnaayi-enn. sii. yuu. eah mariyu ohiyo kendramgaa unna private beema samstha ayina american share insurance (yea. ess. ii).
kenadaalo, ekkuva saatam credit unionlu mariyu "kaisses populairs" praantiiyamgaa vileenam cheyabaddaayi mariyu deposit beemaanu praantiiya crown corporation andistundi. udaaharanaku, antariolo credit unionlalo 250,000 varaku arhatagala depositlaku antario yokka financial services regulatory authority beema chestundi. nyuu brunswickloni yooni financial cooperation "kais" vanti federal credit unionlu federal charterla krinda vileenam cheyabaddaayi mariyu kenada deposit insurance corporationlo sabhyuluga unnaayi.

