A credit cooperative is a voluntary association of citizens or legal entities in accordance with a territorial, professional and (or) other principle in order to meet the financial needs of shareholders (members of the cooperative). You can establish it yourself.
It is necessary
- - Regulatory group;
- - notarized documents;
- - charter.
Instructions
Step 1
Form an initiative group, which should include 3-5 people. The members of the initiative group must clearly understand the specifics of the savings and loan credit cooperative, acting on the principles of the cooperative movement under their direct management and control.
Step 2
Organize your first meeting. After the appearance of the first people who want to join the CPC as shareholders (they must also be notified of the upcoming general meeting), it is necessary to bring them all together for subsequent unification.
Step 3
Have a general meeting. Prior to that, it is desirable to determine the principle of creating a PDA and the source of the creation of the FFVP. The meeting of citizens who are interested in the possibility of creating a CCP should be attended by an invited economist or lawyer.
Step 4
Complete all organizational points of the initiative group before holding the founding meeting. Develop the CCP Charter. As its basis, you can use the model Charter. Think of all the main parts of the Charter that require a personal touch, namely the name of the credit cooperative; legal address; the goals and objectives of the CPC; the size of the entrance and share contributions; the formation of the CPC funds; the competence of the General Meeting of the Audit Commission, the Management Board, the Director and the Loan Committee.
Step 5
Have a founding meeting. It is necessary to solve three main issues on it: how the Citizens' Credit Cooperative should be established; discuss and adopt the Charter; elect the bodies of the Audit Commission, the Management Board and appoint the Director.
Step 6
Register your credit cooperative. The state registration of a newly created credit cooperative requires a constituent meeting of its members, at which the name is determined, the charter, basic provisions are approved, and elected bodies are formed (audit commission, board, loan committee).
