It is a common belief that in India, cooperative banks are not functioning well and will not be able to face competition from their counterparts. To confirm this statement, due to mismanagement in some of the urban cooperative banks in the states of Maharashtra, Gujarat and Andhra Pradesh, the...

This study examines the relative performance of Japanese cooperative banks between 1998 and 2009, explicitly modeling non-performing loans as an undesirable output. Three key findings emerge. First, the sector is characterized by increasing returns to scale which supports the ongoing...

Islamic and cooperative banks such as credit unions are broadly similar in that they both share some risk with savers. However, risk sharing goes along with ownership control in cooperatives, whilst Islamic banks share risk with borrowers and downside risk with depositors. Islamic banking is...

Banking efficiency has been one of the most often studied subjects since the introduction of Data Envelopment Analysis. However, there is no broadly accepted model specification yet. Recently a new model, particularly addressing the ambiguous role of deposits in banking, has been presented by...

This paper examines the relationship between size and scale economies of cooperative banks in Japan (namely Shinkin and credit cooperatives). We use the translog cost-function methodology and intermediation approach coupled with a large set of both cross-sectional and panel data over the period...

We empirically analyze the competition between a relationship lender and a transaction lender in the credit business with micro and small entrepreneurs. Drawing on a data set about the customers of the relationship lender ProCredit Ecuador combined with data about all other loans of these...

The article examines the determinants of capital-asset ratios for credit unions in the United States, before and after the implementation of current framework for capital adequacy regulation in the year 2000. Credit unions appear to hold capital in excess of what is required by current capital...

Commercial banks are seen as shareholder value maximising banks, whereas savings banks may have a social or regional agenda and cooperative banks focus on providing value for their customer-owners. Hence, it is generally thought that savings and cooperative banks are less profitable than...

We describe a method to allocate U.S. credit union deposits to the credit union branch level. Credit union deposit data is only available at the aggregate firm level. Our method takes advantage of FFIEC Home Mortgage Disclosure Act (HMDA) to identify loans at the credit union branch level. We...

Using regulatory data on credit unions, this paper provides empirical evidence on the determinants of credit union failure in the United Kingdom. We find that a small set of financial attributes related to capital adequacy, asset quality, earnings performance and liquidity is useful for early...