A credit cooperative is a type of consumer cooperative that is created to meet the need for financial assistance from its members. If you decide to create such an organization, then you must clearly know the specifics of its work.
Instructions
Step 1
If you are planning to organize a credit cooperative, gather an initiative group of 3-5 people. Among them should be a specialist in accounting. Together with them, find information about opening a cooperative, consult the current organization about its work. Think about whether you will recruit 15 like-minded people, prepare constituent documents, primarily the Charter.
Step 2
If the number of the first members of your future cooperative reaches 15 people, you can proceed to legal registration. To do this, hold the Constituent Assembly together with those who "stood at the origins of its creation." They should be familiar with the draft Charter so that the meeting could discuss this document and accept its final version.
Step 3
Together with these people, you need to establish the size of the admission and share fees, the frequency and amount of payment of membership fees. The last cooperatives in the first year of activity will be necessary for its maintenance.
Step 4
After you carry out this work, it is necessary to inform all members of the credit cooperative about the time and place of the Constituent Assembly. Before opening it, make sure that the number of members of the initiative group is at least 15 people. The purpose of the Constituent Assembly will be the actual creation of the cooperative.
Step 5
To do this, it is necessary to establish by voting the desire to create a credit cooperative, approve its charter, the procedure for making and the amount of contributions, choose the people who will actually create the organization, put it on record with the tax authorities, and open a bank account. In this case, it is necessary to make a list of those present at the meeting, indicating the name and passport data.
Step 6
Prior to the state registration of a credit cooperative, its Charter, minutes of the Constituent Assembly, and a list of those present at it must be prepared. Together with these documents, you need to contact the Tax Inspectorate office to obtain a Certificate of Registration of a Legal Entity, then to the bank to open a current account. After that, you will have to visit the government statistics office, the compulsory health insurance fund, the social insurance fund and the pension fund. Your credit cooperative is now established.
