memex/0_inbox/in/books/PDM/Bill Mollison - Permaculture A Designer's Manual text/561.txt

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

 

 

 

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