a unrversrry, housing. beallh and wellaro sorvnes, a leehnleal researeh libumory, super-markers, hanks. and eornpuler eenlres; all ol rhese are eouperauyes, and schools earn pari or lh eosls by eonlrarl |0 oranulaerurrng eooperauves Unlike lhe Mnndngon eouperarives, whleh are usually applinnee manufanunns larlories. a small oornrnonuy eooperruve might have rhree ealepones ol membership, as below l. Warirrvwnns- nose manage rhe eooperarrye, and are aplil inlo ~nranagenrenr and ~unron" proups, lhey eonirrlrure a m arnounl nleapual rnro rhe eapual hrnd. ol whreh a penenlaee can be wrlhdrawn should rhe wulker depan. Only rhe worheraiwners have a vole Managers are eloered, and are responsrlale lo the resr ol lhe yuflpr lhey ean also be sacked z. Comm": mrmbrm These are (M prrruary produeer, rnanuiaerunne, or public serviee osaoeiauors They are lhe users oi lhe snne «operative in rhal rhelr products are sold rhere, and/or ihey receive bulk supplies through rhe slore lor lherr ousrness, They also pay a iolnlng lee ro ea In) lunds They may eooperale mgelher for group .nsuranre purposes Vonnp powers an be allolled on lhe basis olinvolvenrenl : Hausehlzlds' baslrally eorrsurners. earh house-hold pays a norrunal loaning lee, goods are boughl ar a diseonnl, and an annual dwidend rs received lor lhe bulk purehasesoyer rho year There rs no vmr Cooperanyes also rnoolve shonrlp, arhlcvtd nv sprea mg rho skills needed lnr anv um lub over mull- rhan ulu' person lrolalrnp now; by having near oaualny rn shareholdrnp; and by being able lherelore lo assess how ulhers are raping mlh n M! Clxlpenhva haw- a lrreaber deorand on lhe energy and urno o1 lherr wurkenilherc nro uiren plmuung ur ssrnenl sessions aller Mnklng hours, However, pnalrulnnly rn such eooperaoyes is my hlgh, and .nrornes or prorrls com-spandmgly high Even in moperarlves. rhe lunclruns a! mimgemem lsupervrsaon, adrnrnlslrallon, aeeounnnp, and assessingl and work“ represenlauon lunronsl are nereasary, bul nullke pnoalely owned busureoses, rho whole worhioree are shareholders, and all vole lor people m lrll lhese poerlrons Thus. lhe wnrk lam: has loral mmml dyer lhe eornpus on ol represenlarnes, rdllleflllmlb‘ legion ln Iacl, a biovzglon rs a sorr ul mulllxwpcralwc, where smaller groups like on speellre ~ervize§ lhus speeilae responsrorlrlres Nnbody ~represenls" a blmeglon or eooperanie m lhe ungm'lmble sense rhal eleeled poh rs~aepresonl~ rherreleoorareiie every "mpnsemanan" or polrey deosron ul u warm/e eornes lronr lhe gwund up. whereas almosl every polaueran niahes purely prrslmal dmsmns over a vasr range M pulley and eapendrlure—and thil rs "manage rnenr our 0! annual“), ln lad, lodny's gpvzmmzms are nol only rn lhernselves n-responslble, tun lhey ohen hand seerel and tar more rrresponsrblo agencies. responsable lo mbody' A wonhwhile goal oi any eornrnunuy would be to keep lhe rnoney saved and earned in rhe eonununlry ryclmx wuhlll use". The only way ro do lhrs is lo esraollsh finanm] and econornre syslenis nrpue, such as a eredll unron, mvnlvmg loan lund,orloeal eunoney. ii r Anyone who belongs lo an idenuoable gmp pl 30 or rnore people call srarl a eredrl union The purpose or eharler ol lhrs eredn unron ean be re lund loeal or neighbourhood sell-u nee A eornrnuniry eredli unaon ean pay all rooirne aeeounls oi a household; sornu credrl unaons even have a Chequz aeeounr seryue tredu muons or lriendly sooeues ran sel aside m ol ineorne lu sansly rnslanl requesls lor rnoney lronr deposllors; larger sums ean be wnhdrawn al shon “brim—4mm wlrhrar a Week. rnendly sodorres handle heallh and rnsuranee, The eredir union ean earelully assess loan app ealluns Money borrowed "I order re save rnoney is soon repard, and so is sale lo lend Thus, rnoney adyaneed lor gardens. luel eonservaraon, mergy semiann, or lor appropriare lehreles and applianeas is soon aerurned The savrnps lrn ornel mods lhe rash hornawed. laonr rhen on. rhe borrower has some spare eaprral Usually, money borrowed or save energy ls amnmgd (“rt penodsol hum 24 years np Loan Fond p nelple ol a rerun-rap loans hand rs rhar pmpk pul rn swim eapual al a nomrnnred rnleresl llrorn nlfl'h rnlo an eslaolrshsd lrnanerel msmuhun, and inrs rs lhen loaned our ro new busmrswa wnhan lne mmmunily. The gmup m charge ol admlmbmnllg rhe loan eheeles relerenees, ollers advree, and aers on rhe rerornrnendruun oi people who wlll servree lhe loan lusually a shins or aeseareh group or! volunleers. some ol whorn rnay uke pari in, or service, lhe ousinrso nus ran be called a loans lrusr, credo muo hnanee eooperalrye or enlerprise lund pool, rl ern inrlud: boner, a lahour erehanpn, a ngulir lair or marker, and u neat an open regrsier 0! local slolls and mum, been displayed. siren a modal lund ean operare oolol a house or old shop lronl. or lrorn a cnumu in an esraolrsheo loud to—dp or eooperrnve lausrness On dwrage, rnlorrned and eoneerned people will rnroally eonrrrbule a lew hundred dollars, yuan ”kn see a good thing pom nus rs “laugh: olhers wlll have good ideas aboul srnall .eserural seryuos and on noises, and me researeh you ean be very busy marching and publ sins "Isak ol rnoney lrorn rhe area. so rhal under or unemployed people Ian soul up serviees and supplies m slop mes: lealrs, eg. noes rhe area rnahe lrs own Mend, yoghnn, sausagzs. shoes. elmher, pols and papefl Docs n reuse us wane wood, glass, rneral. Paper, or orgsnre waslesv Does u pmrlde a wlde innge ol seroiees lrorn haixuming lo legal xdvkr" If nor, pbs are open and lunds lo slam lhern are Ivnhblle! loans, ar low loeal inleresl lbellv. is (Alt) are made, and every S37