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Triple justificación de las secciones de crédito de las cooperativas agrarias de la Comunidad Valenciana: jurídica, económica y social

Author

Listed:
  • Vanessa Campos Climent

    (Universidad de Valencia)

  • Gemma Fajardo García

    (Universidad de Valencia, IUDESCOOP)

  • Joan Ramón Sánchis Palacios

    (Universidad de Valencia, IUDESCOOP)

Abstract

This study aims to justify the survival and support of credit sections from a threefold perspective: legal, economic and social. Firstly, the paper examines the legislation governing cooperatives with a credit section, comparing the Valencian legislation with that of the rest of Spain (in particular, the legislation in Catalonia and Extremadura). Secondly, looking at the matter from an economic perspective, we examine the advantages of credit sections for agricultural cooperatives (transaction costs) and analyse the credit sections’ levels of performance and efficiency, comparing them with those of agricultural credit banks and savings banks. Finally, from a social perspective, we analyse the benefits that credit sections can offer members and other sections of the agricultural cooperative to which they belong. To do this, we examine the financial differential presented by credit sections compared to that of agricultural credit banks.

Suggested Citation

  • Vanessa Campos Climent & Gemma Fajardo García & Joan Ramón Sánchis Palacios, 2006. "Triple justificación de las secciones de crédito de las cooperativas agrarias de la Comunidad Valenciana: jurídica, económica y social," CIRIEC-España, revista de economía pública, social y cooperativa, CIRIEC-España, issue 54, pages 129-165, April.
    • Handle: RePEc:cic:revcir:y:2006:i:54:p:129-165
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    References listed on IDEAS

    as
    1. Ricardo Server Izquierdo & Amparo Melián Navarro, 1999. "Estrategias competitivas y eficiencia de las secciones de crédito en la Comunidad Valenciana," CIRIEC-España, revista de economía pública, social y cooperativa, CIRIEC-España, issue 32, pages 39-83, August.
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      Keywords

      Credit sections; Cooperative Credit; Agricultural cooperatives; Valencia Region; Spain.;
      All these keywords.

      JEL classification:

      • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
      • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
      • P13 - Political Economy and Comparative Economic Systems - - Capitalist Economies - - - Cooperative Enterprises

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