Benefit imbalances among credit union member groups: evidence of borrower-dominated, saver-dominated and neutral behaviour?

Patin, Roy P.; McNiel, Douglas W.

doi:10.1080/00036849100000184

Cited by 7 publications

(23 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…Smith () points out that in his model, the effect of the size variable may have been captured by its proxy – age. According to the results obtained by Patin and McNiel (), neutral CUs are the ones with the largest size, followed by SD and BD.…”

Section: Theoretical Backgroundmentioning

confidence: 93%

“…Reserve allocation . Patin and McNiel () observed the allocation of higher values of profits in BD; intermediate values for neutral CUs; and smaller values for SD. These results are consistent with Smith (), who also found that the transfer of values to reserves is greater in BD and smaller in SD.…”

Section: Theoretical Backgroundmentioning

confidence: 98%

“…The importance of protecting members’ interests from CU managers, as well as the individual interests of each member group is acknowledged. Thus, the neutral behavior of CUs is reinforced by its subsidiary nature with more satisfactory dividend and loan rates, compared with the rates on offer in the financial market (Catturani and Venkat ; Croteau ; Patin and McNiel , b; Siudek and Zawojska ; Smith et al. ; Taylor ; Walker and Chandler ).…”

Section: Theoretical Backgroundmentioning

confidence: 99%

“…Despite the neutral domination, there is a clear conflict between the savers and borrower members. Considering the regulatory changes that had occurred in the mid‐1980s through the financial deregulation of the CU industry in the US, Patin and McNiel () analyzed a sample of 9.600 US CUs in 1984. They concluded that 2.7 per cent were extremely BD; 12.9 per cent were weakly BD; 45.1 per cent were neutral; 29.7 per cent were weakly SD; and 9.6 per cent were strongly SD.…”

Section: Theoretical Backgroundmentioning

confidence: 99%

“…; Emmons and Mueller ; Emmons and Schmid ; Flannery ; Leggett and Stewart ; Patin and McNiel , b; Smith ). Such a domination may affect the CUs competitiveness level, since saver‐dominated CUs (hereafter, SD) tends to establish higher rates of dividend and higher interest on loans, while lower rates are witnessed in borrower‐dominated CUs (hereafter, BD) (Black and Dugger ; Croteau ; Leggett and Stewart ; Patin and McNiel , b; Smith et al. ; Smith ; Smith ; Taylor ; Walker and Chandler ).…”

Section: Introductionmentioning

confidence: 99%

See 4 more Smart Citations

Credit Union Member Group Domination Under High Interest Rate Environments

Mercer

Póvoa

Piccoli

2018

Ann Public Coop Econ

View full text Add to dashboard Cite

Theoretical models for credit unions advocate that such organizations should pursue a neutral orientation in order to accommodate the conflicting interests of borrower members, who seek lower interest rates, and saver members, who look for higher returns on their savings. However, there is a lack of empirical support for such neutrality in high interest rate environments. This is because under such conditions, credit unions could accomplish their social mission by providing microcredit at a lower interest rate to local communities, thus becoming more borrower-dominated. This paper investigates the member group domination of credit unions in Brazil, a country known for its high interest rates, and finds that the majority of credit unions (78.34%) are borrower-dominated. This behavior becomes more pronounced when local interest rates rise, contradicting the predictions of neutrality-seeking models. A percentage increase in the interest rate, increases about 5 times the likelihood of a CU becoming extreme borrower-dominated. Besides interest rates, age, lower size, capital and lower efficiency of the credit unions are the main determinants of borrower domination.

show abstract

Section: Theoretical Backgroundmentioning

confidence: 93%

Section: Theoretical Backgroundmentioning

confidence: 98%

Section: Theoretical Backgroundmentioning

confidence: 99%

Section: Theoretical Backgroundmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

See 3 more Smart Citations

Credit Union Member Group Domination Under High Interest Rate Environments

Mercer

Póvoa

Piccoli

2018

Ann Public Coop Econ

View full text Add to dashboard Cite

show abstract

Understanding counterproductive knowledge behavior: antecedents and consequences of intra-organizational knowledge hiding

Serenko

Bontis

2016

JKM

371

480

View full text Add to dashboard Cite

Purpose This paper aims to explore antecedents and consequences of intra-organizational knowledge hiding. Design/methodology/approach A model was developed and tested with data collected from 691 knowledge workers from 15 North American credit unions. Findings Knowledge hiding and knowledge sharing belong to unique yet possibly overlapping constructs. Individual employees believe that they engage in knowledge hiding to a lesser degree than their co-workers. The availability of knowledge management systems and knowledge policies has no impact on intra-organizational knowledge hiding. The existence of a positive organizational knowledge culture has a negative effect on intra-organizational knowledge hiding. In contrast, job insecurity motivates knowledge hiding. Employees may reciprocate negative knowledge behavior, and knowledge hiding promotes voluntary turnover. Practical implications Managers should realize the uniqueness of counterproductive knowledge behavior and develop proactive measures to reduce or eliminate it. Originality/value Counterproductive knowledge behavior is dramatically under-represented in knowledge management research, and this study attempts to fill that void.

show abstract

Negotiate, reciprocate, or cooperate? The impact of exchange modes on inter-employee knowledge sharing

Serenko

Bontis

2016

JKM

View full text Add to dashboard Cite

Purpose-The purpose of this paper is to investigate the impact of exchange modes-negotiated, reciprocal, generalized, and productive-on inter-employee knowledge sharing. Design/methodology/approach-Based on the affect theory of social exchange, a theoretical model was developed and empirically tested using a survey of 691 employees from 15 North American credit unions. Findings-The negotiated mode of knowledge exchange, i.e. when a knowledge contributor explicitly establishes reciprocation conditions with a recipient, develops negative knowledge sharing attitude. The reciprocal mode, i.e. when a knowledge donor assumes that a receiver will reciprocate, has no effect on knowledge sharing attitude. The generalized exchange form, i.e. when a knowledge contributor believes that other organizational members may reciprocate, is weakly related to knowledge sharing attitude. The productive exchange mode, i.e. when a knowledge provider assumes he or she is a responsible citizen within a cooperative enterprise, strongly facilitates the development of knowledge sharing attitude, which, in turn, leads to knowledge sharing intentions. Practical implications-To facilitate inter-employee knowledge sharing, managers should focus on the development of positive knowledge sharing culture when all employees believe they contribute to a common good instead of expecting reciprocal benefits. Originality/value-This is one of the first studies to apply the affect theory of social exchange to study knowledge sharing.

show abstract

Benefit imbalances among credit union member groups: evidence of borrower-dominated, saver-dominated and neutral behaviour?

Cited by 7 publications

References 0 publications

Credit Union Member Group Domination Under High Interest Rate Environments

Credit Union Member Group Domination Under High Interest Rate Environments

Understanding counterproductive knowledge behavior: antecedents and consequences of intra-organizational knowledge hiding

Negotiate, reciprocate, or cooperate? The impact of exchange modes on inter-employee knowledge sharing

Contact Info

Product

Resources

About