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Un análisis del Crédito Cooperativo en España: situación actual, expansión territorial y proyección estratégica/An analysis of the Credit Unions in Spain: present situation, territorial expansion and strategic projection



    () (Catedrático de Economía Financiera y Contabilidad de la Universidad CEU-San Pablo)


    () (Profesor Titular de Universidad. IUDESCOOP Universitat de Valencia)


El objetivo central de este trabajo es analizar la evolución que han seguido las cooperativas de al objeto de satisfacer la cambiante demanda de productos y servicios financieros por parte de sus socios y usuarios. De un enfoque eminentemente agrícola o gremial se ha pasado a un enfoque o modelo de “banca universal”. Para ello, el sector ha desarrollado diversas estrategias, como la cooperación mediante modelos de concentración específicos; la reestructuración y racionalización de sus procesos de gestión; y la expansión territorial. En este trabajo se realiza una sucinta presentación de la situación del sector en la actualidad para, seguidamente, centrar el análisis en su evolución estratégica, con especial atención a su política de expansión territorial y los elementos que configuran los ejes actuales de su Dirección Estratégica. The main objective of this work is to analyze the evolution that has followed the credit co-operatives (credit unions) with the intention of satisfying the changing demand of products and financial services on the part of their partners and users. Coming from a predominantly agricultural approach it has moved to a "universal bank"-model. Therefore the sector has developed different strategies, like the cooperation by means of specific models of concentration; the reconstruction and rationalization of its management processes; and the territorial expansion. In this work we start with a presentation of the situation of the sector at the present time, next we centre the analysis in its strategic evolution, with special attention to its policy of territorial expansion and the elements that form the present axes of their Strategic Management.

Suggested Citation

  • Palomo Zurdo, Ricardo & Sanchís Palacio, Juan Ramón, 2008. "Un análisis del Crédito Cooperativo en España: situación actual, expansión territorial y proyección estratégica/An analysis of the Credit Unions in Spain: present situation, territorial expansion and ," Estudios de Economía Aplicada, Estudios de Economía Aplicada, vol. 26, pages 89-132, Abril.
  • Handle: RePEc:lrk:eeaart:26_1_4

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    References listed on IDEAS

    1. Stearns, Timothy M. & Hills, Gerald E., 1996. "Entrepreneurship and new firm development: A definitional introduction," Journal of Business Research, Elsevier, vol. 36(1), pages 1-4, May.
    2. Roure, Juan B. & Keeley, Robert H., 1990. "Predictors of success in new technology based ventures," Journal of Business Venturing, Elsevier, vol. 5(4), pages 201-220, July.
    3. Khan, Arshad M, 1986. "Entrepreneur characteristics and the prediction of new venture success," Omega, Elsevier, vol. 14(5), pages 365-372.
    4. Zahra, Shaker A., 1991. "Predictors and financial outcomes of corporate entrepreneurship: An exploratory study," Journal of Business Venturing, Elsevier, vol. 6(4), pages 259-285, July.
    5. Daniel W. Greening, 1996. "Do Managers and Strategies Matter? A Study In Crisis," Journal of Management Studies, Wiley Blackwell, vol. 33(1), pages 25-51, January.
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    More about this item


    Cooperativa de crédito; Banca cooperativa; Expansión territorial; Estrategia; Dirección/Credit Cooperatives; Cooperative Bank; Territorial expansion; Strategy; Management.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • P13 - Economic Systems - - Capitalist Systems - - - Cooperative Enterprises
    • Q13 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Markets and Marketing; Cooperatives; Agribusiness
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies


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