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Financial and Consumer Co-operatives

by Dionne Pohler

The Filene Research Institute and the Canadian Credit Union Association commissioned me to write a report examining the characteristics of the well-governed credit union and exploring the values and risks associated with co-operative governance models. I summarize some of the key insights in a blog posted at Contemplating Co-ops.

by Dionne Pohler

Canada’s credit unions need to find a way to work together to survive, which can only happen if they are able to build the trust and legitimacy necessary to redesign how they interact with each other and make decisions at the system level. Credit unions that think they can make it on their own do so not only at their own peril, but at the peril of the system as a whole. Find this blog post at Contemplating Co-ops.

by Dionne Pohler

The credit union system in Canada is at a crossroads. Find this blog post at Contemplating Co-ops.

by Dionne Pohler

Credit unions should be able to use the words "bank" and "banking" without fear of reprisal from Canada's national financial regulator. Find this blog post at Contemplating Co-ops.

by Dionne Pohler

Credit unions need to design their compensation systems very carefully to avoid negative consequences for their members. Find this blog post at Contemplating Co-ops.

by Dionne Pohler

Low margins, increasing competition, rapid technological change, increasingly diverse expectations for member services, and new and often unfavourable regulatory environments make it clear that the status quo is unsustainable and change is required at the second-tier level in the credit union system. Find this blog post at Contemplating Co-ops.

by Dionne Pohler

The Saskatchewan government should have chosen to privative liquor retailing by opening up the market, or kept it publicly-owned. Half-baked privatization can be more harmful than no privatization. A longer blog post on this issue can be found at Contemplating Co-ops. An op-ed on this issue originally appeared here.

by Dionne Pohler

Society needs to take the co-operative business model more seriously as an alternative to conventional investor-owned firms. Find this opinion article here.