Credit unions, co-operatives, sustainability and accountability in a time of change

a synchronic and diachronic approach to the change route of address terms in the two recent centuries of persian language

terms of address as an important linguistics items provide valuable information about the interlocutors, their relationship and their circumstances. this study was done to investigate the change route of persian address terms in the two recent centuries including three historical periods of qajar, pahlavi and after the islamic revolution. data were extracted from a corpus consisting 24 novels w...

Regulatory Change and Capital Adjustment of US Credit Unions

We investigate the determinants of US credit union capital-to-assets ratios, before and after the implementation of the current capital adequacy regulatory framework in 2000. Capitalization varies pro-cyclically, and until the financial crisis credit unions classified as adequately capitalized or below followed a faster adjustment path than well capitalized credit unions. This pattern was rever...

Member Value in Co-operatives

Until today there is a research gap considering the question, what motivates a member to enter or leave a co-op, resp. what are the reasons to stay in a co-operative. The majority of studies about this topic mainly focus on economic factors and the rational behavior of the member. However, co-ops also have other purposes not associated with financial goals. The presented paper is proposing a ne...

The Future of Credit Unions

The impact of purchasing co-operatives

The proportion of hospital turnover linked to purchasing co-operatives will rise from the present 45% to 90% in 2010, according to the study Future Relevance and Consequences of Hospital Purchasing Cooperatives for Medical Technology Suppliers in Germany, commissioned by the German medical technology association BVMed from the consultancy firm Simon Kucher & Partners. ‘The bundling together...