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Co-operation: The Social Capital for Consensus Building and Economic Democracy
Peter Adrien
This paper discusses the credit union as a form of co-operation that promotes consensus building, provides the basis for organisational effectiveness and fosters economic democracy.

In Section I, the paper reviews the literature on social capital, consensus building and economic democracy through co-operation. Section II discusses the credit union as a source of social capital and its impact on consensus building. Section III analyses the implications of credit unions' retail-banking functions, for economic democracy in an unequal environment. Section IV summarises the discussions and raises some policy issues with respect to governance in a globalised environment.
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