Tip 1: How to open a credit cooperative
Tip 1: How to open a credit cooperative
Credit cooperative is a voluntary association of citizens or legal entities in accordance with the territorial, professional and / or other principle in order to satisfy the financial needs of the shareholders (members cooperativea). You can create it yourself.
You will need
- - Regulatory group;
- - notarized documents;
- - charter.
Instructions
1
Form an initiative group, which should include 3-5 people. The members of the initiative group should clearly understand the specifics of the loan and savings credit cooperativea, acting according to the principles cooperativemovement under their direct management and control.
2
Organize your first meeting. After the appearance of the first people wishing to join the CCP as shareholders (they must also be notified of the forthcoming general meeting), it is necessary to collect them all together for further unification.
3
Spend a general meeting. Before this, it is desirable to determine the principle of creating a PDA and the source of the creation of the PFVP. In a meeting of citizens who are interested in the possibility of creating a CCP, a visiting economist or lawyer should take part.
4
Complete all organizational issuesinitiative group before the constituent assembly. Develop the Charter of the CCP. As its basis, you can use the model Charter. Think about all the main places of the Charter, which require an individual approach, namely the name of the loan cooperativea; legal address; goals and objectives of the CCP;the amount of admission and share contributions; the formation of CCP funds; the competence of the General Meeting of the Audit Commission, the Management Board, the Director and the Borrowing Committee.
5
Hold a constituent assembly. On it it is necessary to solve three main questions: how the Credit cooperative citizens; discuss and adopt the Charter; elect the bodies of the Audit Commission, the Management Board and appoint a Director.
6
Register your credit cooperative. State registration of the newly created credit cooperativebut requires the holding of its constituent assemblymembers, on which the name is determined, the charter, basic provisions are approved, elective bodies are formed (audit commission, board, committee on loans).
Tip 2: How to create a credit cooperative
Credit cooperative Is a type of consumer cooperativea, which is created to meet the need for financial assistance from its members. If you decide to create such an organization, you should clearly know the specifics of its work.
Instructions
1
If you are planning to organize a credit cooperative, gather an initiative group of 3-5 people. Among them there must be a specialist in accounting. Together with them, find information about the opening cooperativea, consult the operating organization about its work. Think about whether you will score 15 like-minded people, prepare constituent documents, primarily the Charter.
2
If the number of the first members of your future cooperativebut will reach 15 people, you can startlegal registration. To do this, hold the Constituent Assembly together with those who "stood at the origins of its creation." They should be familiarized with the draft Charter so that at the meeting it is possible to discuss this document and accept its final version.
3
Together with these people you need to establish the size of the entrance and share contributions, the frequency and amount of payment of membership fees. The last in the first year of activity cooperativeYou will be required for its content.
4
After you carry out this work, you need to inform all members of the credit cooperativebut about the time and place of the Constituent Assemblymeeting. Before opening it, make sure that the number of members of the initiative group is at least 15 people. The purpose of the Constituent Assembly will be the actual creation cooperativea.
5
For this, it is necessary to establish by voting the desire to create a credit cooperative, to approve its charter, the procedure for making and the sizecontributions, choose people who actually create an organization, register with the tax authorities, open a bank account. At the same time, it is necessary to compile a list of those present at the meeting with the name and passport data.
6
Prior to the state registration of credit cooperativebut its Statutes must be prepared, the protocolConstituent Assembly, the list of those present on it. Together with these documents, you need to apply to the Tax Inspectorate for obtaining a Certificate of Registration of a legal entity, then to the bank for opening a settlement account. After that you will have to visit the state statistics bodies, the compulsory medical insurance fund, the social insurance fund and the pension fund. Now your credit cooperative created.
Tip 3: How to register a cooperative
A cooperative is an associationorganizations or people to achieve a common social or economic goal that is designed to meet the material or other needs of participants. Since the cooperative is a legal entity, its registration takes place on the basis of the RF law "On the state registration of legal entities and individual entrepreneurs".
Instructions
1
Collect the general meeting of the founders of the cooperative. Make a record of the general meeting, in which the decision to create a cooperative is noted. In the minutes of the meeting, it is necessary to note all the participants in the cooperative, who confirm their agreement with the decisions made by the signature. Choose the legal form for the cooperative and its name.
2
Set the size of the authorized capital. Confirm the governing bodies of the cooperative. Determine the amount of contributions of each member of the cooperative in the authorized capital and the procedures for their introduction. Before registration, each member of the cooperative must contribute at least a tenth of its share in the authorized capital. The remaining amount is paid within one year after registration. Make a charter and constituent agreement of the cooperative members. Define the registration address of the cooperative.
3
Write an application for state registrationcooperative according to the form P11001. Pay the state fee for registration. Submit all documents in a double copy, including a receipt and a statement, to the registration authority of the tax service. He, in turn, will make an appropriate entry in the state register of legal entities on the co-operative created within five working days. The territorial body for taxes and levies will put the cooperative on record in the tax service at the location of the established cooperative. In case the provided documents are not filled in correctly, they are returned to you for revision. Having corrected all the shortcomings, return the documents to the tax service officer who supervises your co-op.
4
Obtain documents confirming the entry of an entry on the establishment of a cooperative as a legal entity in the Unified State Register of Legal Entities. The cooperative will be assigned an individual OGRN number.
5
Open the settlement account of the cooperative in the bank. Notify the tax service of opening a bank account.
Tip 4: How to organize a consumer cooperative
The consumer cooperative is aassociation of citizens or legal entities on a voluntary basis. The specific forms and purposes of creating such a non-profit organization may be different, but the process of organizing all types of cooperatives has much in common. So, the stages of creating a cooperative community on the example of such a sought-after structure as a credit consumer cooperative.
You will need
- The Civil Code of the Russian Federation.
Instructions
1
Start creating a credit cooperative withformation of an initiative group of three to five people. This core of the future organization should clearly understand the goals and objectives of uniting shareholders. A credit union is created to meet the needs of its members in savings services. The financial basis of a credit cooperative is the pooling of personal finance for their subsequent joint use under the management and control of all members of the collective.
2
Include a person in the initiative group,owning the basics of financial literacy or work experience as an accountant (economist). Since the activities of the consumer cooperative will be connected with the management of financial flows, such knowledge will be very useful.
3
Together with other members of the asset, workamong potential participants of the cooperative, explaining to them the prospects for unification and the advantages of cooperative financial management. In doing so, determine the principles of building an organization, namely: a territorial or production community will become the basis of unification.
4
Organize and hold the first meeting of futuremembers of the cooperative, who expressed a desire to participate in its creation. Notify all concerned about the place, time of the meeting and the agenda.
5
When preparing for the meeting,attention to the development of the Charter of the credit union. Choose several options for the name of the cooperative, find a legal address. Preliminary determine the possible size of the introductory and share contribution, as well as the loan program. When preparing documents, use the provisions of civil legislation regulating the activities of consumer cooperatives, as well as special laws on credit cooperation.
6
After the first (organizational)appoint time for the Constituent Assembly. On the agenda of his take out questions about the establishment of a credit consumer cooperative, the adoption of the Charter, the election of the governing bodies of the organization. Assign a chairman and secretary of the meeting, ensure a clear protocol.
7
After approval of the results of the meeting by membersnewly created cooperative, prepare the documents necessary for its state registration, including the Charter, the minutes of the Constituent Assembly, a receipt for payment of the state duty and an application. The documents must be submitted to the tax authority at the location of the legal address of the cooperative.
8
After the registration procedure is complete,setting for all relevant types of accounts, including off-budget funds. Open an account with the bank, notifying the tax authorities thereof within five days. Now the newly created consumer cooperative has the right to carry out the activities envisaged by law to provide its members with financial assistance on a reciprocal basis.
Tip 5: How to open a consumer cooperative
A good alternative to applying to a bank for obtaining a loan can be entry into a consumer cooperative and obtaining a loan. Here, the percentage below and the time required for processing the required documents is less. In this regard, the creation of a cooperative is a fairly profitable direction of activity.
Instructions
1
Organize a constituent assembly at whichshould be attended by more than 15 people or 5 legal centers. At this event, a decision must be made to set up a cooperative. It is also necessary to approve the Charter and choose the governing bodies of the organization.
2
Write and notarize at the notary an application forstate registration of a consumer cooperative. Submit this application to the registration authority for registration along with the following documents: list of activities of the organization; ownership or lease of the premises in which the cooperative will be located; passport data and TIN of founders or an extract from the Unified State Register of Legal Entities for legal entities; passport data and TIN of the head of the organization.
3
After the registration documents are received, make a seal and open a bank account. It will also be necessary to register for extra-budgetary funds.
4
Develop and organize a monitoring system.To do this, you must file an application with the Federal Financial Markets Service and provide a copy of the Cooperative's Charter, internal control rules, an order to appoint a person in charge of resolving the main issues.
5
Join a self-regulatory organizationconsumer cooperatives. In accordance with Part 3 of Article 44 of the Federal Law of July 18, 2009, No. 190-FZ "On Credit Cooperatives", you must do this no later than three months after the establishment of the organization. Before joining a self-regulatory organization, a cooperative does not have the right to accept new members of the community and to raise money from its shareholders. If this does not happen within the timeframe prescribed by law, then the cooperative can be liquidated on the basis of the requirement of the authorized federal executive body.
