%0 Journal Article
%T CARACTERIZACI¨®N DEL BUSINESS CAPITAL DE LAS COOPERATIVAS DE CR¨¦DITO A TRAV¨¦S DEL AN¨¢LISIS DELPHI / FEATURES OF BUSINESS CAPITAL OF CREDIT COOPERATIVES THROUGH THE DELPHI ANALYSIS
%A ELIES SEGU¨ª-MAS
%A RICARDO J. SERVER IZQUIERDO
%J Revista de Estudios Cooperativos
%D 2010
%I AECOOP Escuela de Estudios Cooperativos
%X Las cooperativas de cr¨¦dito, organizaciones singulares en nuestro sistema financiero, poseen intangibles de caracter¨ªsticas particulares. As¨ª, los valores de la cooperativa y de sus miembros, la estructuraci¨®n del capital, las actitudes del personal o su proximidad a los clientes de su ¨¢mbito operativo les confieren unas caracter¨ªsticas espec¨ªficas que merecen ser estudiadas para gestionar sus ventajas competitivas y ofrecer informaci¨®n relevante para la toma de decisiones. Mediante el an¨¢lisis Delphi, este trabajo trata de identificar las singularidades del business capital de estas entidades. Las singularidades del sector cooperativo de cr¨¦dito muestran que dentro de los intangibles relacionales ¨¦stas entidades tienen debilidades significativas en aquellos m¨¢s ligados al negocio bancario. El business capital representa el conjunto de intangibles cr¨ªticos en el negocio financiero y -por ello- las cooperativas de cr¨¦dito necesitan desarrollar pol¨ªticas que permitan corregir sus debilidades y competir en la exigente industria bancaria actual./Business Capital has constantly been used to explain the beneficial impact that some banking companies have on the economic development. Credit cooperatives, which are singular in our financial system, posses certain assets with their own features. Thus, corporate reputation, social relationships and interaction with public administration and media shape credit unions in such a way that it is worth to be studied. By means of Delphi analysis this work identifies the singularities of business capital in credit cooperatives. Among these specialties are remarkable the proximity and members¡¯ participation (strength) and their reputation (weakness). Intangible business assets stand for a high value in credit cooperatives, especially with regard to the proximity. In order to foster business capital in credit cooperatives it is key to enhance their financial services and alliance policy.
%K BUSINESS CAPITAL
%K CAPITAL RELACIONAL
%K CAPITAL INTELECTUAL
%K ACTIVOS INTANGIBLES
%K COOPERATIVAS DE CR¨¦DITO./Business capital
%K Relacional capital
%K Intellectual capital
%K Intangibles assets
%K Credit cooperatives.
%U http://www.ucm.es/info/revesco/txt/REVESCO%20N%20103.5%20Elies%20SEGUI-MAS%20y%20Ricardo%20SERVER.pdf