Działalność instytucji mikrofinansowania na przykładzie Spółdzielczych Kas Oszczędnościowo-Kredytowych
The performance of the micro-financing institutions an example of Co-Operative Savings and Credit Unions
Zeszyty Naukowe SGGW - Ekonomika i Organizacja Gospodarki Żywnościowej, 2011, vol., nr 91, s. 241-256
The elaboration presents the performance and the range of Co-Operative Savings and Credit Unions in Poland. The article deals with the role of these unions on the financial market. Other presented issue in article concerned the aspect of loans and deposit activity of Co-Operative Savings and Credit Unions. The presented research was surveyed mainly in years 2006–2010, and included all credit unions in Poland. The financial results of SKOK were determined by a financial situation of Unions with the highest value of assets. The structure of deposits in SKOK was determined by short-term savings while the loan structure was dominated by long-term borrowings of SKOK members. This relation could influence the higher risk of decreasing level of financial liquidity of Co-Operative Savings and Credit Unions.