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 

 

 

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