Consumer cooperative - what's that?

"Co-operation - is a global system that integrates

around the world, millions of shareholders"

(KP Dyachenko)

Consumer cooperation makes it possible to carry out business in the framework of a free economy and receive tax benefits.The relevance of the cooperative organizational forms is becoming clearer.Why is that?What are the different types of cooperation?Answers to these and other interesting questions can be found in this article.

modern society - what is it?

consumer society - is an independent partnership of citizens (legal entities) on a voluntary basis, the collective ownership of the autonomous democratically controlled organization.

goal of every cooperative must be satisfying any need (for example, material) of its constituent entities.Participation in co-op (membership) is carried out by combining the units or contributions.

Consumer Cooperative of Citizens has the right not to be limited to one area of ​​activity and "saturate" is not only the needs of the material plane, but also social, cultural and socio-economic nature.

Democracy cooperation is that regardless of the amount of the share (contribution), shareholders have equal rights.The highest administrative body - a general meeting of shareholders.

modern consumer society gives a lot of opportunities, including:

• rapid opening of the case and tax benefits;
• efficient administration and to guarantee the protection of property;
• conduct many types of business without license;
• no duties at the borders, in transporting goods within the projects in cooperation with the International Cooperative Alliance;
• management utilities multistory building;
• loan quickly and by a small percentage.

How it all began?

first potrebkooperativ weavers was founded in 1769 in Scotland (UK).He was engaged in the sale of flour to its members at discounted prices, without intermediaries.

Consumer credit cooperatives in large and opened throughout Europe from the middle of the XIX century.They have the ability to survive in difficult living conditions of that time and the only protection from second-hand dealers.

gradually formed a legal and social framework for cooperation.1852 was marked by the adoption of the first law on co-operation in the UK.

epoch-making event in the history of English education was the "Rochdale Society of Equitable Pioneers' thriving to this day.This ancestor of modern cooperative was founded in 1844 in Rochdale.28 weavers organized the first cooperative food store.

Rochdale principles (mutual assistance, equality, the average price of one member - one vote) formed the basis of the cooperative movement.

Today in the world there are hundreds of successful cooperative organizations of various kinds, with the total number of participants is not less than one billion.

Cooperative citizens and the basics of its operation

legislative foundation for the organization of co-operative forms laid down in the Constitution, the Civil Code (Art. 116), in special laws: "On consumer cooperatives ...", "On Agricultural Cooperation" and "Onproduction co-operatives. "

Charter of consumer co-operative, as the main constituent document regulates the legal entity.With regard to the specific organization reveals the range of rights, duties and responsibilities of members, composition of governing bodies, the foundations of the financial activities, economic and legal aspects.

addition to the information mandatory for the legal entity, the charter contains a decision on the amount of shares and the features of their application, the decision-making procedure and cover potential losses.Gains on commercial and other activities made by the participants in proportion to the distributed shares.

debts are the responsibility of the organization part of the shareholders.The amount of liabilities for each participant can not exceed the additional contribution is still unrealized.

Members of a consumer cooperative - it is not only citizens, but also the organization (in this case, be sure to attend two or more individuals).

Credit consumer cooperatives

legal framework for credit cooperatives in our country was the RF Law "On credit cooperation".Credit Consumer Cooperative - an association of citizens (organizations) to provide mutual support in terms of finance and lending.

Its main purpose is mutual support of participants: without resources they are prepared and willing to have a given income funds at interest.A secondary goal - is making a profit.

Property database is made up of a credit cooperative to contribute, income from operations, raised funds and other legal sources.

loans are usually issued by a greater percentage than in the bank, but a guarantee of the loan above.It allows participants to have a good co-operative dividends.

Overall credit cooperatives contributes to the financial security and stable income, if it is really credit and consumer cooperative. Reviews contributors today are ambiguous.For example, many only trust banks because under the guise of cooperative organizations often lurk crooks.

How to choose a fair society, and not a pyramid scheme?

1. founding documents must be given organizational and legal form: non-profit organization, a credit cooperative.
2. citizen enters into a cooperative, has a legitimate opportunity to study the founding documents and the loan agreement.Read the statute and the contract it is necessary, if this is prevented, it is likely you are in a financial pyramid.
3. Select is an organization of not less than 2-3 years, and included in the union of cooperatives.
4. very high lending rates to members of the shareholders are also alarming.In addition, this co-op does not offer incentives for "recruiting" new members.
5. Loud advertising - it is not for the cooperative as it is recorded mainly for the provision of financial mutual aid in a particular group of persons.

Agricultural cooperation

agricultural cooperatives Legal basis - is the position of the Law "On Agricultural Cooperation".

Agricultural consumer cooperative established as the participants, citizens and organizations.An important condition for them is the involvement in agricultural production and other areas of the organization.

consumer society - is a nonprofit organization.The name "Agricultural" to invite to membership allows agricultural producers and "consumers" to meet the needs.

Species agricultural cooperatives pretty much: the company who carry out processing, logistics and sales functions, services in the field of agriculture, lending and others.

Housing construction cooperatives

Legislative base of housing and construction cooperatives - is the Civil Code (Art. 116) and the relevant section in the Housing Code of the Russian Federation.

Consumer cooperative housing - a collaboration of participants (individuals or organizations) on a voluntary basis in order to solve the housing problems, questions of improvement of an apartment building, the needs of the room.

Housing (LCD) and / or construction (HCC) - a consumer co-operative and non-profit organization.

HBC carry out the sale of apartments under the Law "On Participation in the shared construction of apartment buildings."

members of this organization can be any person, citizens (not less than 5 and not more than the total number of apartments), organize it, and sit in the first meeting.Consumer LCD requires participants to combine funds for the maintenance of the house, and the building - for the construction.Consumer

building society operates on the basis of the statute.It contains information about the goals and objectives of the work order, the entry of new participants, contributions, mutual responsibility, on the composition of the governing bodies.Upon entry into the LCD is necessary to study the charter and consult with a lawyer, but also pay attention to the amount of payment, payment order unit, the rights and obligations of participants.

for failure to fulfill obligations, that is failure to pay the full fee, the shareholder is excluded from the organization, and lost the apartment.

can not ignore the fact that among mortgage housing cooperative associations are fraudulent, so choose the organization is very meticulously, considering the opinion of a lawyer.

Garage consumer cooperative

law defining the legal framework of the Russian garage Cooperation (CPC), has not yet been adopted.Law on Cooperatives and non-profit organizations with regards to this association are ineffective.

Draw remains on the Civil Code and the Law "On Cooperation in the USSR", which to this day is used in practice.

Garage consumer society - is a nonprofit organization, membership association of citizens to meet the need in the garage for transport.

CCP Charter regulates the main issues of his work.It identifies the sources of capital and the amount of contributions, property rights, the conditions of entry and exit.Group initiative of citizens (apart from the preparation of constitutive documents) draws up the lease on the site for garages, delivers documents to the department of land registration.

Garage consumer cooperative is registered as a legal entity, rises on account of the tax office, received a settlement and facial bank accounts of participants.

When ready to constituent documents, cadastral passport and lease, you can proceed to registration in a public body.GIC signs a contract with a construction firm.

3 phase of the cooperative

Requirements for registration are regulated by the fourth chapter of the Law "On state registration of legal entities".

create an organization in the consumers have the right to at least 5 people (at least 16 years) and legal entities.

Pros and cons potrebkooperativa

Consumer cooperatives.Reviews

study was conducted on the Internet posted reviews for customers and employees of Consumer Cooperatives of Russia (in several large cities and rural areas).It was revealed by a large number of negative reviews.

So people criticizes consumer society and shops of consumer: mainly the culture of communication with customers, the range, the working conditions for the vendors.Also talk about the high prices (above the average).Several complaints relate to violations of the shop.

Many reviews noted that the leadership of the local consumer cooperatives "pulling the blanket" over: low wages, lack of motivation of employees, operation.

pay attention to the personnel issue: no young specialists.There "aging" of the staff and management team.During infusion of new staff in urgent need many consumer cooperatives.

Reviews criticism written about specific software and consumer society, which can not be said about the entire consumer cooperative system of Russia.There are cooperatives, consumer society and unions working in good faith.

Many entrepreneurs cooperate with credit cooperatives.Thank you for the opportunity to obtain a term loan for the transactions and other business needs.Note the rapid clearance of documents without red tape.

bribe people and friendly attitude of the staff, the ability to explain in plain language.Loans taken for different purposes: for the purchase of machines for repair and home improvement, training and expensive purchases.Save up, for example, to rest.Also, people often put the money at interest in the credit and consumer cooperative.

Reviews of these institutions can be found on the official websites.We investigated the views of credit cooperatives, which have successful experience from 10 to 20 years.They have more confidence in the population.

in all economic sectors in the West, there are a lot of cooperative organizations.And the more often they just ruined stock and private companies.Why Western cooperation thrives and survives in Russia?

Obviously, we still have to reconsider its attitude to domestic cooperation and change it.Relevant targets for co-operative system must be the development of processing industry, creating new jobs and providing the population with all necessary.