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Main » credit union
Today, the system Farm Credit provides more than a quarter of all loans used by American farmers and ranchers. It
is a major source of credit real estate purchase and operation of
farmers' cooperatives, as well as funding the development of systems of
economic and telephone service in rural areas. Farm
Credi
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On the last point in more detail. The
scientist emphasized the difference in the principles of the structure
of the classical type Cooperative Centre, directly responsible to the
shareholders, and state of the cooperative system, expressing the will
of citizens. He pointed out:
"Cooperation, managed by elected representatives of the workers.
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Peasant farming, cultivate crops on flat ¬ schadi 100 hectares, is planning to take a loan to buy fertilizer for tillage. According to agro-technical norms feeding can give an increase grain yields by 12 - 15ts/ga. The loan is planned to take a two-year two credit tranches of 200 thousand each. The application rate of 45 t / ha.
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Consumer
Credit Cooperative - a voluntary association of individuals and (or)
legal entities on the basis of membership in order to meet the financial
needs of the credit cooperative, carried out by integrating its members
property shares.
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The
Credit Committee reviews applications advises and makes recommendations
submitted to the board on matters of credit, guarantees and warranties
on their return in excess of the amounts authorized to issue, which is
given by executive management. Credit
Committee established by the Board of the cooperative "Agrocredit" in
accordance with the statute and is accountable to the general meeting
and the board of the cooperative.![]()
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As
is known, there has been a relative instability of monetary market, the
depreciation of the ruble and the resulting negative impact on the
money market. In connection with this cooperative "Agrocredit" can use variables or variable rates of compound interest. If
the change in the interest rate is fixed in the contract, the borrower
can calculate in advance how much money is to be returned at the end of
the loan
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Each agricultural producer for economic exchange needed cash, especially in the expansion of production. To
withdraw available funds to farms is advisable to organize a union that
a circular responsibility for ensuring that all equipment provided cash
loan. For targeted release of funds should be fully aware of all the information about the borrower and the state of its economy.
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In the interests of Credit Cooperatives Union of Rural Credit Cooperatives currently performs the following functions: -
Representation, protection of rights and interests of members of the
Union of Rural Credit Cooperatives in government, local governme
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Meetings
of the Audit Committee shall be convened by the chairman of Credit
Cooperative Audit Committee or in his absence, his deputy, but not less
than the credit provided by the charter of the cooperative.
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For
successful implementation of the program done a lot of organizational
work to develop the mechanism of its action: adopted the Memorandum of
Understanding, in amendments to the Articles of Association of the
Development Fund of rural credit cooperatives, to develop guidelines for
the work of the credit cooperatives formed Program Management Authority
- Supervisory Board, consisting of Representatives and U.S. sides.
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Credit Union
