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    Spanish Credit Cooperatives and the Fight against Financial Exclusion

    DOI: https://doi.org/10.16925/co.v21i103.674
    Vol. 21 No. 103 (2013)
    Published: 07/05/2026
    Luis Jesús Belmonte Ureña
    Francisco Joaquín Cortés García
    Valentín Molina Moreno
    The aim of this study is to show the importance of Spain’s credit cooperative sector, while also offering a
    brief view of how families’ savings patterns have evolved. The second section describes the origins of the
    sector in Spain, emphasizing the relationship between these entities and the primary sector, which is the
    main source of finance. Later, by describing the features of the credit cooperative sector, as well as offering a profile of its members and its advantages over other forms of banking, some causes are presented for the transformation of these cooperatives, a change they have undergone without losing their focus on members. Accordingly, the third section of this study presents the benefits that credit cooperatives can offer when it comes to financial exclusion, especially when they have become the only social bank in Spain due to the planned demutualization of the savings bank sector.
    Keywords: Array, Array, Array, Array
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    How to Cite

    Belmonte Ureña, L. J., Cortés García, F. J., & Molina Moreno, V. (2014). Spanish Credit Cooperatives and the Fight against Financial Exclusion. Cooperativismo & Desarrollo, 21(103), 49-55. https://doi.org/10.16925/co.v21i103.674

    License

    As the author of the article declares that is an original unpublished work exclusively created by me, that it has not been submitted for simultaneous evaluation by another publication and that there is no impediment of any kind for concession of the rights provided for in this contract.

    In this sense, I am committed to await the result of the evaluation by the journal Cooperativismo & Desarrollo before considering its submission to another medium; in case the response by that publication is positive, additionally, I am committed to respond for any action involving claims, plagiarism or any other kind of claim that could be made by third parties.

    At the same time, as the author or co-author, I declare that I am completely in agreement with the conditions presented in this work and that I cede all patrimonial rights, in other words, regarding reproduction, public communication, distribution, dissemination, transformation, making it available and all forms of exploitation of the work using any medium or procedure, during the term of the legal protection of the work and in every country in the world, to the Universidad Cooperativa de Colombia Press.

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