development of agricultural infrastructure, creating conditions for improving living
standards and servicing the rural population.
On the basis of the study, a SWOT analysis of the influence of Ukrainian credit
unions on the activation of social and labor mobility in Ukrainian society was carried
out, the results of which are presented in Table 5.
Table 5 SWOT-analysis of the influence of credit unions on the activation of
social and labor mobility in Ukrainian society
Positive impact
Negative influence
The
inner
e
nvironm
ent
Strengths
Weaknesses
1) balance of interests as a result of non-
profit;
2) equality of participants;
3) democratic governance and the ability
to participate in each member;
4) combining signs of a financial
institution and a public cell;
5) the majority of credit unions are
established within the limits of one
administrative-territorial unit or on the
basis of enterprises, educational
establishments or other legal entities, trade
unions, public or religious organizations,
which allows the credit union to have an
individual approach to each member;
6) simplicity and quality of products,
speed of execution, affordable price;
7) solidarity distribution of risks
1) the exclusive nature of receiving services -
is provided only to members;
2) narrow specialization of activity - providing
only credit and deposit services;
3) a member of a credit union risks the money
raised, as well as any owner of the enterprise,
because he directly participates in the
management of the union;
4) there is a bad debt of borrowers, which
indicates the absence of significant guarantees
in the repayment of credit and insufficient
level of control over debt;
5) lack of highly skilled specialists
Environme
nt
Opportunities
Threats
1) oriented to meet the urgent needs of
citizens on a parity basis;
2) mostly work with low-income
population, playing a social role;
3) stimulate consumer opportunities;
4) state social problems are solved
(housing construction, repair, energy
saving, financing of agriculture);
5) The credit union in the countryside is
often the only available financial
institution;
6) offer micro-credit for business
development;
7) credit unions, accumulating a part of
GDP, have the opportunity to turn it into a
substantial investment resource to ensure
economic development in general
1) the legislation regulating the activity of
credit unions requires substantial changes;
2) the absence of a guarantee to members of
credit unions of their contributions to deposit
accounts due to the lack of a unified state
system for guaranteeing such contributions;
3) insufficient understanding of citizens of
Ukraine and representatives of state bodies of
socio-economic nature of these organizations
and opportunities for activating social and
activity mobility;
4) competition from banks and other financial
institutions;
5) general instability in the state, devaluation
of the hryvnia, when long-term lending and
deposit contributions are considered too risky,
and the trust of citizens in financial institutions
is low
- 763 -