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What does a Co-operative approach to inclusive finance look like?

In an inclusive financial system all households have somewhere to save, borrow, transfer and insure. Financial co-operatives are part of an inclusive financial system. In urban centers they compete with banks and microfinance institutions. In many rural areas they are the only formal provider of financial services.

Co-ops are different from other financial institutions. What sets them apart is that they are owned and capitalized by their members. What this means is:

• decisions are made at the local level

• a culture of savings, not a culture of indebtedness (credit is important but perpetual debt is not a poverty solution)

• profits are ploughed back, either as dividends to members, building the co-op or funding community projects


Other areas of expertise

gold bullet point Agriculture
gold bullet point Micro, Small and Medium Enterprises
gold bullet pointGender
gold bullet point Environment

CCA is working with 31 international development partners and 1,200 co-ops in 18 countries.

CCA is boosting women and youth participation rates in credit unions with leadership training, financial education and by sponsoring school based savings clubs in Nepal, Ghana, Rwanda and Uganda.

CCA is expanding co-op based insurance coverage in Southeast Asia to an additional 2 million people, and is helping to establish a catastrophic loss pool.