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El Capital Relacional De Las Cooperativas De Crédito En España: Un Estudio Cualitativo De Sus Intangibles Sociales Mediante El Análisis Delphi / The Relational Capital Of The Credit Cooperatives In Spain: A Qualitative Study Of Their Social Intangible Using The Delphi Analysis

  • Elies SEGUÍ-MAS

    (CEGEA - Centro de Investigación en Gestión de Empresas. Universitat Politécnica de Valencia)

  • Ricardo J SERVER IZQUIERDO

    (CEGEA - Centro de Investigación en Gestión de Empresas. Universitat Politécnica de Valencia)

Registered author(s):

    Especialmente en el caso de las cajas de ahorro, el capital social ha sido recurrentemente utilizado para explicar la aportación que ciertas entidades bancarias realizan al desarrollo económico y social de sus territorios de actuación. Las cooperativas de crédito, como organizaciones singulares en nuestro sistema financiero, poseen unos intangibles de características particulares. Así, la reputación corporativa, las relaciones sociales, con la administración o con los medios de comunicación y el ejercicio de la responsabilidad social les confieren unas características específicas y unos rasgos concretos que merecen ser estudiados. Mediante el análisis Delphi, este trabajo trata de identificar las singularidades del capital social de estas entidades, donde destacan –como fortalezas- una gran proximidad y la participación del socio y -como debilidad- la reputación de estas entidades. Los intangibles sociales cuentan con una importante valoración en las cooperativas de crédito, especialmente el ejercicio de la responsabilidad social (un claro síntoma del compromiso de estas entidades). La potenciación del capital social de las cooperativas pasa por amplificar la política de comunicación, especialmente por lo que se refiere al uso del Fondo de Educación y Promoción Cooperativa (FEPC). En este sentido, el camino emprendido por las cajas de ahorro, resulta un ejemplo a seguir. / Social Capital has constantly been used to explain the beneficial impact that some banking companies have on the economic and social development, especially for saving banks. Credit cooperatives, which are singular in our financial system, posses certain assets with their own features. Thus, corporate reputation, social relationships, interaction with public administration and media, and performance in social responsibility shape credit unions in such a way that it is worth to be studied. By means of Delphi analysis this work identifies the singularities of social capital in credit cooperatives. Among these specialties are remarkable the proximity and members’ participation (strength) and their reputation (weakness). Intangible social assets stand for a high value in credit cooperatives, especially with regard to the social responsibility (showing the strong commitment of these firms). In order to foster social capital in credit unions it is key to enhance communication policy, especially regarding the Education Fund. According to this argument, the saving banks strategy could be considered as an example for the cooperative sector.

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    File URL: http://www.ucm.es/info/revesco/txt/REVESCO%20N%20101.5%20Elies%20SEGUI-MAS%20y%20Ricardo%20J%20SERVER.pdf
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    Article provided by Universidad Complutense de Madrid, Facultad de Ciencias Económicas y Empresariales in its journal Articulos de REVESCO Revista de Estudios Cooperativos.

    Volume (Year): ( 2010)
    Issue (Month): (Primer Cuatrimestre)
    Pages: 107-131

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    Handle: RePEc:sto:artrev:101-05
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