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Credit Unions: Filling Finance Gaps in Rural Communities

Author

Listed:
  • Ralston, Deborah

    (University of Southern Queensland)

  • Beal, Diana J.

    (University of Southern Queensland)

Abstract

The Hawker Inquiry (1999) investigated the provision of regional financial services in Australia and was principally concerned with the economic and social effects of the current redistribution of the delivery of banking services. The establishment of credit unions in rural communities has been seen as one means to fill the financial services gap when banks close. This paper reports in detail the contribution made by the entry of credit unions to four rural communities after, variously, 10-22 months of establishment. Additionally, the paper comments on some of the institutional barriers that have prevented credit unions from providing a full range of financial services and warns that credit unions will not survive within these communities if they are unable in the longer term to attract sufficient loans business.

Suggested Citation

  • Ralston, Deborah & Beal, Diana J., 1999. "Credit Unions: Filling Finance Gaps in Rural Communities," Economic Analysis and Policy, Elsevier, vol. 29(2), pages 173-186, September.
    • Handle: RePEc:eee:ecanpo:v:29:y:1999:i:2:p:173-186
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    Cited by:

    1. Jane Kolodinsky & Caryl Stewart & Antonia Bullard, 2006. "Measuring Economic and Social Impacts of Membership in a Community Development Financial Institution," Journal of Family and Economic Issues, Springer, vol. 27(1), pages 27-47, April.

    More about this item

    Keywords

    Bank; Banking; Credit; Finance; Financial Services; Regional; Rural;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
    • O18 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Urban, Rural, Regional, and Transportation Analysis; Housing; Infrastructure

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