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Cooperative principles

Every Caisse operates under the following 9 cooperative principles.

The 4 Inimitable Features, unique to cooperatives:

  • Participation in ownership: Members are both the users and owners of their Caisse.
  • Participation in power: The members, in a general meeting, set the major orientations of the Caisse and elect the officers.
  • Sharing in results: The members decide on the use of annual surplus earnings and, if applicable, individual or group dividends.
  • Inalienable collective wealth: The general reserve accumulated by the Caisse from its surplus earnings is an inalienable collective wealth, which each year produces income that benefits all the members.

The 3 Distinctive Philosophies

  • Commitment to the local environment: The Caisse supports the development of its local environment in many ways (gifts, sponsorships, lending resources or equipment).
  • Education: The Caisse provides its members with information to help them make educated financial decisions.
  • Mutual aid among cooperatives: The Caisse collaborates with other Caisses and promote collective entrepreneurship.

The 2 Essential Manifestations of Values

  • Commercial practices: The core of a Caisse’s duties is concern for the interests and the needs of members and services that are accessible to all.
  • Management practices: The Caisse exercises prudent and disciplined management, and integrates the values and objectives of promoting people and practices which are inherent to cooperation.
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