Las  cooperativas de crédito españolas y la lucha contra la exclusión financiera

Luis Jesús Belmonte Ureña; Francisco Joaquín Cortés García; Valentín Molina Moreno

doi:10.16925/co.v21i103.674

Spanish Credit Cooperatives and the Fight against Financial Exclusion

Artículos

https://doi.org/10.16925/co.v21i103.674

Luis Jesús Belmonte Ureña Ver Biografía

Universidad de Almería

Francisco Joaquín Cortés García Ver Biografía

Fundación Cajamar Caja Rural

Valentín Molina Moreno Ver Biografía

Universidad de Granada

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: Spanish credit cooperatives, financial exclusion, primary sector financing, savings patterns

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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

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Vol. 21 No. 103 (2013)

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