Thesis (Ph. D.)--University of Wisconsin--Madison, 1984. / Typescript. Vita. eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references (leaves 168-178).

by Charles C.M. Kam. / Thesis (M.Comm.)--Chinese University of Hong Kong, 1969. / Bibliography: leaves 104-107.

Lai Wing Ying, Michael. / Summary in Chinese. / Thesis (M.B.A.)--Chinese University of Hong Kong. / Bibliography: l. 140-141.

A credit union is a self-help financial co-operative where people, who are united by a Common Bond, agree to save money together and, to make loans to one another at low rates of interest. The common bond is the most important characteristic of a credit union because credit unions are founded on trust and unless members already have something in common, they have no basis for trusting one another. The purpose of the common bond is to protect members' interests and members' funds. It also fosters a spirit commitment and co-operation.

Orientador: Alexandre Gori Maia / Dissertação (mestrado) - Universidade Estadual de Campinas, Instituto de Economia / Made available in DSpace on 2018-08-17T11:00:25Z (GMT). No. of bitstreams: 1 Favalli_RicardoTerranova_M.pdf: 1430436 bytes, checksum: 01ba28bd6c369722cc98587168e7c4e4 (MD5) Previous issue date: 2010 / Resumo: A avaliação dos níveis de governança em cooperativas de crédito vem sendo objeto de análise mais criteriosa da regulação de instituições financeiras desde a constituição do "Projeto Governança Cooperativa", projeto estratégico do Banco Central do Brasil - BCB1 - que teve suas atividades iniciadas no ano de 2006. Diversas análises foram conduzidas no âmbito do referido projeto, com o propósito inicial de construir um referencial teórico, que atrelasse os preceitos consagrados de governança corporativa à realidade mais específica do cooperativismo de crédito nacional. A partir da construção de tal referencial teórico, iniciou-se uma segunda fase - de diagnóstico do sistema cooperativista de crédito - quando dentre as atividades realizadas esteve o envio de questionário às cooperativas, demanda que atingiu parcela significativa das instituições, aproximadamente 90% do universo de cooperativas de crédito singulares em atividade no país. A última fase do projeto consistiu na consolidação das "Diretrizes e mecanismos para fortalecimento da governança em cooperativas de crédito" e divulgação aos interessados, o que culminou com a edição do livro "Governança Cooperativa", entre outras ações relacionadas ao objetivo de evolução da governança no cooperativismo de crédito nacional. Apresentada a visão perspectiva do projeto anterior do BCB, o objetivo do presente trabalho é avançar nos estudos do tema. Primeiramente, contextualiza a realidade cooperativista de crédito local, justapondo-a aos estudos teóricos em governança corporativa, para, em seguida, demonstrar e discutir a referência teórica existente sobre governança em cooperativas de crédito. Finalmente, a conclusão é construída no sentido de analisar, estatisticamente, a influência dos níveis de governança detectados em ambientes internos de alta gestão sobre a performance econômica de cooperativas de crédito singulares,. A hipótese subjacente a esta pesquisa é a de que adequadas estruturas de governança ou, em outras palavras, o funcionamento eficaz dos órgãos de alta administração e de controle das instituições, somadas à existência de um ambiente econômico e legal propício ao desenvolvimento destas instituições, devem resultar, ao longo do tempo, em boa performance econômica de tais entidades. Um interesse mais abrangente desta pesquisa é estimular o entendimento da necessidade de evolução do cooperativismo de crédito brasileiro; tal desenvolvimento esperado deve resultar em excelentes frutos para a economia e a sociedade brasileira / Abstract: The evaluation of levels of governance in credit unions has been the subject of more detailed analysis of financial institutions regulation since the establishment of the "Cooperative Governance Project", a strategic project of the Central Bank of Brazil - BCB - which started its activities in 2006. Several tests were conducted under the abovementioned project, with the initial purpose of building a theoretical framework that linked the accepted precepts of corporate governance to the more specific reality of financial cooperatives nationwide. From the construction of such a theoretical framework, a second phase began - the credit union system diagnosis - where among the performed activities one was to send a questionnaire to the cooperatives that reached a significant portion of the institutions, about 90% of the sole credit unions universe in the whole country. The last phase of the project involved the consolidation of the "Guidelines and mechanisms for strengthening governance in credit unions" and dissemination to concerned parties, which culminated with the publication of the book "Cooperative Governance", among other actions related to the purpose of developing the governance of the national credit union. Having presented the perspective view of the previous project from the BCB, the objective of this study is to advance the study of the issue. First, it contextualizes the local credit cooperative scenario, juxtaposing it with the theoretical studies in corporate governance, to then demonstrate and discuss the existing theoretical framework on governance in credit unions. Finally, the conclusion is built in order to analyze, statistically, the influence of the governance levels detected in senior management indoor environments on the economic performance of individual credit cooperatives. The assumption behind this research is that appropriate governance structures or, in other words, the effective functioning of the organs of senior management and control of institutions, together with the existence of a legal and economic environment favorable to the development of these institutions should result, over time, in good economic performance of such entities. A broader interest of this research is to encourage awareness of the need for development of financial cooperatives in Brazil; this development should result in excellent results for the Brazilian economy and society / Mestrado / Política Social / Mestre em Ciências Econômicas

No description available.

The Basel Committee has released a consultative document (Basel (2003)) on the management and supervision of interest rate risk (IRR). This document outlines a standardised model to calculate a duration-based proxy for IRR in depository institution balance sheets. We utilise this methodology to define an IRR measure which we denote BIRRM (Basel Interest Rate Risk Measure). It is the change in the value of a financial institution produced by a 200 basis-point increase in interest rates at all maturities, relative to Tier I and Tier II capital. This study has three primary objectives. Firstly, we utilise BIRRM to provide an overview of IRR exposure of Australian Credit Unions and Building Societies (CUBS) over the period September 1997 to September 2007. Secondly, we seek an understanding of the relationship between BIRRM and measures of CUBS' interest rate sensitivity over a period of rising interest rates (December 1998 to September 2000) and another period of falling rates (September 2000 to December 2001). Finally, we seek an understanding of the economic factors that influence IRR exposure decisions of CUBS by modelling the determinants of CUBS' IRR exposure. We find that IRR exposure of CUBS is relatively low and, on average, CUBS are exposed to falling interest rates. We also find significant relationships between BIRRM and measures of CUBS' interest rates sensitivity consistent with a priori expectations, supporting the use of the Basel Committee's measure of IRR in identifying CUBS with large IRR exposures. The models examining the determinants of CUBS' IRR have relatively low explanatory power. There are however significant relationships between a number of factors and CUBS' exposure to changing rates.

Thesis (Ph. D.)--University of Wisconsin--Madison, 1964. / Typescript. Vita. eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references (leaves 157-165).

This project develops and analyzes a business plan for Media Benefits Corporation, a subsidiary of First Entertainment Credit Union. The business plan will address the recent trend to move certain services back to the credit union and make recommendations as to how Media Benefits Corporation should continue to exist. Issues concerning liability will also be addressed in the plan.

Magistro baigiamojo darbo aktualumas ir problema atsispindi dabartinėje kredito unijų padėtyje ir jų prisiimamoje rizikoje, kai už dideles palūkanas yra pritraukiami indėliai, ženkliai didinantys šių finansinių įstaigų įsipareigojimus ir paskolų apimtis, siekiant konkuruoti su bankais. Konkurencijai su bankais taip pat įtaką daro ir neigiama žiniasklaidos informacija apie šių finansinių įtaigų veiklos neskaidrumą. Darbo tikslas – įvertinti teoriniu ir praktiniu požiūriu kredito unijų veiklą, nustatyti jų vietą finansų sistemoje. Finansinių tendencijų kredito unijose analizės metu buvo išsiaiškinta, kad kredito unijų turtas, investicijos į vyriausybės vertybinius popierius, paskolos, indėlių priėmimas ir pajinio kapitalo apimtys augo. Atlikus ekspertų interviu gautų duomenų analizę, nustatyta, kad dabartinė kredito unijų sistema yra vertinama teigiamai. Siekiant tobulinti Lietuvos kredito unijų veiklą, pirmiausiai, yra būtina gerinti kredito unijų darbuotojų kompetenciją, suteikti sąlygas aptarnauti ne tik kredito unijų narius, diegti naujas informacines technologijas, taip sukuriant daugiau paslaugų ir produktų klientams. Įvertinus pagrindinius veiksnius, susijusius su kredito unijų valdymu, nustatyta, kad Lietuvos kredito unijų sistema trečiojo, brandos, lygio per artimiausius metus nepasieks. Tačiau pagrindiniai tobulinimai šiame sektoriuje turėtų apimti informacinių technologijų plėtojimą, ypač vertinant mobilius apmokėjimus ir mobilią bankininkystę. / The relevance and problematic of this master's thesis is reflected in the current position of credit unions and their risk taking, while the high interest rates the deposits are attracted, it also significantly increases the obligations and loan volume of these financial institutions in comparison with the banks. Competition with the banks also influenced by negative media coverage of the financial activities of credit unions. The goal of this thesis is to assess the theoretical and practical approach of the activities in credit unions to establish their place in the financial system. The analysis of financial trends showed the increase in assets, investment in government securities, loans, deposit-taking and shared capital in Lithuanian credit unions during the period of 2005-2012. The expert survey results showed that the current credit union system is viewed positively. In order to improve the Lithuanian credit unions operations there is a need to improve the skills of the staff, to provide service for not only the members of the credit union, introduce new information technologies to this financial sector, and to create more services and products. In should be noted, that evaluation of main credit union development factors influencing Lithuanian credit union system showed that this system will not reach the maturity level over the next few years. But improvements should be made in information technology development of credit unions, especially in mobile payments and... [to full text]