spółdzielnia kredytowa

A spółdzielnia kredytowa is a cooperative credit society where members pool their resources to provide each other with affordable loans and financial services. It's owned and operated collectively by its members, who share benefits and risks. These cooperatives promote financial inclusion, enabling members—often from similar communities or professions—to access credit on favorable terms without relying on traditional banks. The organization emphasizes mutual support, democratic decision-making, and reinvestment of profits to serve members' needs, fostering a sense of community and financial stability.