Business plan for organizing a housing savings cooperative. Algorithm for creating a cooperative. The process of opening a cooperative

Credit cooperative business plan
As a result of communication with people you know well, create an initiative group consisting of three to four people. People should be willing and able to combine their main work with the functions of organizing a Credit Cooperative. At the same time, it is important that among them there is a person who knows the rules of accounting. It is necessary to draw up a plan of joint actions to organize a Credit Cooperative. To do this, try to collect specific information on the organization of the Credit Cooperative:

1. You can ask for help from various credit institutions via the Internet.

2. Consult a familiar Credit Cooperative that is already operating.

3. It is necessary to collect at least 15 like-minded people

4. Prepare constituent documents.

Chief among them is the charter. It is drawn up on the basis of Federal Law No. 117-FZ “On Credit Consumer Cooperatives of Citizens”. Next, you should determine the size of the share and entrance fees, interest on loans and savings, the procedure for the formation of KPCG funds.
Constituent assembly of members of the KPCG initiative group

So, the number of your initiative group has reached 15 and more than the required number of people.
Now, in accordance with the Federal Law on KPCG, you can proceed to the legal registration of your organization.

For this it is necessary to hold a Constituent Assembly of the members of the initiative group. Prior to its holding, you need to copy the draft of the KPCG Charter and distribute it to all members of the group in order to discuss it at the meeting and accept the final version.
In addition, you, together with your colleagues who "stood at the origins" of the idea of creating a credit cooperative, should first calculate:

The size of the entrance and share contributions;

And also (if they are insufficient for the maintenance of the organization in the first year of its activity) the size and frequency of payment of membership fees.
Having carried out this work and having determined, in agreement with the members of the initiative group, the place, date and time of the Constituent Assembly, you invite everyone to the meeting, warning about the need to have a passport with you.
Before you open the Constituent Assembly, make sure that the number of members of the initiative group present at it is at least 15 people !!!
The purpose of the Constituent Assembly follows from its name - to establish, i.e. actually create the KPCG as an organization, i.e. entity.
To do this, you need by voting:

Confirm the desire of those present to create a cooperative;

Approve the final version of its Charter;

To approve the composition, size and procedure for making mandatory contributions of the members of the KPCG;

Choose a group of two or three people to entrust state registration cooperative, opening a bank account and registering with the relevant authorities.

In addition, in the process of holding the Constituent Assembly, it is necessary to draw up a List of those present, indicating the passport data and the signature of each of them.
State registration of the Credit Cooperative

By this time, the following documents should be prepared:

1). Minutes of the Constituent Assembly.

2). Approved Charter of the KPCG.

3). List of those present at the Constituent Assembly.
Registration procedure:
1. The first address is local branch Inspectorate of the Ministry of Taxes and Levies (IMTS) of the Russian Federation.

Having completed the Application and the relevant documents there, having paid the registration fee, in 7 days you will receive a Certificate of entry into the Unified State Register of a legal entity. 2. The second address is the bank of your choice. In it you, on the basis of the received Certificate, after registration required documents open a current account and conclude an appropriate banking service agreement.

3. The third address is again the Inspectorate of the Ministry of Taxes and Levies, but now, after opening a current account, you fill out an Application and attachments to it for registration as a legal entity. The result of this will be your receipt of the second Certificate of the Ministry of Taxes and Tax Collection.

Fourth, fifth, sixth and seventh addresses - registration with the appropriate records in government bodies, namely:

4. statistical bodies;

5. compulsory health insurance fund;

6. social insurance fund;

7. pension fund.

As you can see, this step will again require you to show outstanding organizational and administrative abilities, since the registration deadlines are established by the Law, and you will be fined for violating them!

And so, the Citizens' Credit Consumer Cooperative was created.

Now, in order for the KPCG as a legal entity in accordance with Federal Law No. 117-FZ of August 7, 2001 to carry out its activities provided for by the Charter, it is necessary to hold the First General Meeting of the cooperative.
At this meeting, in accordance with the Law (and, as a consequence, with the Charter of the KPCG!), It is necessary:

1. To elect the members of the Board of the KPCG;

2. To elect the Chairman of the CPCC;

3. Elect the members and the Chairman of the Audit Commission;

4. Appoint the Director of the KPCG.

5. Approve the main directions of spending Money cooperative;

6. Give instructions to the Board together with audit commission and the director of the KPCG to develop the main Regulations governing the daily activities of the cooperative.

In addition, at the general meeting, the members of the initiative group of citizens who were present at the Constituent Assembly must write Applications with a request to be accepted as members-shareholders of the credit consumer cooperative of citizens
Thinking out loud
In credit cooperatives, preserving their deposits, new shareholders are accepted, as a rule, only on the recommendation. Therefore, on average in the country, non-repayment of loans in the KPCG does not exceed 3%. In most cooperatives, it is about 1%. There was an attempt to create credit cooperatives only from entrepreneurs, but this attempt failed - they only took loans. In the same way, an attempt to create cooperatives only from pensioners ended in failure - they only put in money. Credit cooperatives are tenacious only when there are two streams - some take regularly, others regularly invest.
Can we talk about real support of small business by credit cooperatives?

The impact of KPCG on small business development has become much more noticeable in recent years. The first credit cooperatives with small working capital in the early and mid-90s, they were reluctant to issue loans for entrepreneurial activities - business was then extremely risky, and accordingly there was a high risk of loan defaults. Also, the imperfection of the legislative system did not contribute to this process.
Now the situation is changing. Federal Law No. 117 stipulates that a credit cooperative can issue 50% of loans for business purposes, and this is widely used by them. They became bolder in accepting entrepreneurs as their members. Credit cooperatives are the part of the financial infrastructure that can mobilize free funds of the population and solve not only the problem of lending to consumer needs of citizens, but also significantly increase investment in small businesses.
There are many examples of how credit cooperatives work with entrepreneurs. And the mechanisms for organizing such work in each credit cooperative are different. There are examples when credit cooperatives work very closely with other entrepreneurship support structures: business incubators, entrepreneurship support centers, etc. There are advantages for credit cooperatives - firstly, the risk of loan defaults is reduced, since the entrepreneur-borrower is a member community. Secondly, a professional assessment of the business plan of the entrepreneur-borrower by specialists is given. Also, the cooperative reduces the administrative costs of its maintenance. It is also convenient for entrepreneurs. They can profitably place temporarily free funds in a cooperative, receive loans according to a simplified scheme, create their own positive credit history, which is important for entrepreneurs to receive larger loans in commercial banks.

MS Word Volume: 31 pages

Business plan

Download business plan

Reviews (3)

With the need to obtain financial support many Russians, both entrepreneurs and ordinary citizens, are faced today. But contacting one of the many banks is not always the best option... The problem is the need to provide financial institutions a huge number of documents, in connection with which obtaining a loan turns into a very complex and time-consuming procedure. In addition, loans in most cases are targeted, which is also not suitable for everyone.

In such a situation, the only alternative is often joining a credit cooperative, where obtaining a loan is not associated with such bureaucratic problems as in a bank. Starting a business such as a credit cooperative can be a very profitable project as the demand for such services is growing. People are attracted by loyal conditions for issuing a loan, as well as a lower interest rate when compared to a bank loan. All this speaks of the great prospects associated with the opening of a credit cooperative.

A credit cooperative is a non-profit organization established on a voluntary basis by a group of citizens or legal entities. Purpose of creation such an organization- financing of shareholders. By combining their share contributions, the members of the cooperative form the so-called mutual fund, which is the source of financing for the shareholders. In addition, sources of formation of cooperative property can be borrowed funds, or profit, which is generated by the activities of the cooperative.

Cooperative members must develop rules internal control for the issuance of loans. The purpose of such activities is to counter illegal methods of obtaining financial resources, for example, by laundering money that was obtained as a result of criminal activities. In order to ensure sustainable operation, the cooperative must have a certain reserve fund, which is at least 10% of the total share capital.

A business project to open a credit institution is a rather difficult undertaking associated with significant risks. A competent person will allow you to foresee all the pitfalls, to find solutions to emerging problems. Relying on it, you will understand all the intricacies of this type of business, which will allow you to avoid serious troubles. In addition, possession of the necessary knowledge will help to reduce the time required for approval of such a project with controlling structures, which will have a positive effect on the overall profit of your enterprise.

Reviews on the business plan of a credit institution (3)

1 2 3 4 5

Business plan of a credit institution

Peter

Peter, thanks for the gratitude. Indeed, when a business plan is at hand, which describes all the main points of organizing a business, it is much easier to work. We wish you to achieve your plans.

Business plan of a credit institution

Victor

this document

Victor, indeed, like any ready-made document, the submitted business plan requires revision to suit his capabilities. There are many individual nuances and they can be taken into account only on order, and this is already much more expensive. However, the fact that it is required to delve into economic indicators enterprise, is only a plus, it will be much easier to manage the enterprise in the future. Good luck to you.

Business plan of a credit institution

Oleg

existing organizations

ready-made business plan

Oleg, we agree with you, loans are a profitable business, especially small amounts for short term at high interest rates. The service is popular and generates significant profits, although large loans should not be neglected. You did the right thing to start with a business plan, so the result was not long in coming. We wish you further successful development.

In stock Business plan of a credit institution 5 10

People tend to unite by interests, to solve common problems and meeting any specific needs. In a team, all issues are easier to solve. For this, there is such a thing as a consumer cooperative. This legal form you can not meet as often as commercial organizations, however, it exists and is actively used in some areas of society. This article deals with the interpretation of the concept of "consumer cooperative", the forms and types of such communities, the content of the charter and other useful information on this topic.

Deciphering the concept

The activities of consumer cooperatives are aimed at meeting specific needs of citizens or legal entities, consisting in it. Basically, the goals are material in nature. Any person who has reached the age of sixteen, as well as various legal entities, can join the cooperative. The minimum number of participants is five individuals or three legal ones.

A consumer cooperative is a phenomenon regulated by the state at the legislative level. The main provisions are reflected in Civil Code RF. More detailed explanations and subtleties of regulation are reflected in the Federal Law "On consumer cooperation in the Russian Federation "No. 3085-1 dated June 19, 1992. the federal law contains information on the creation of cooperatives, their structure, peculiarities of participation, property issues, as well as questions about the reorganization, liquidation and merger of existing companies.

What cooperatives do

A consumer cooperative is a community of people founded to achieve certain economic goals. Decisions are made by voting. Each member of the cooperative has a vote, which he has the right to give for a certain option for the further development of events. That is, one payer of contributions - one vote. At the same time, the direction of the society's activity can be any: there are construction, housing, garage, summer cottage, agricultural and other cooperatives. The people in these organizations are united by one goal.

The state provides for the regulation of certain types of cooperatives by separate legislative acts. These include agricultural, credit and housing cooperatives. They are regulated, respectively, by the Housing Code and the Laws "On Agricultural Cooperation" and "On Credit Cooperation".

Forms of consumer cooperatives

Depending on the problem for the solution of which a consumer community is created, cooperatives are divided into several forms. Below is a list with a transcript.

Construction and consumer cooperative. It is created for the purpose of owning and using real estate objects (various buildings).
Housing construction cooperative. Members of this community organized their own cooperative with the aim of building a residential building in which they will subsequently live.
Garage cooperative. Includes owners of garages built in a separate area.
Country cooperative. A group of people who own land plots used as a summer residence or garden in a certain area.
Housing savings cooperative. Such societies are joined by citizens who jointly want to purchase or build housing.
Consumer society or consumer cooperative of citizens - cooperation between citizens and legal entities. This form was especially widespread in the USSR.
Agricultural cooperative. It includes agricultural enterprises, as well as individual farmers engaged in running their own households.
Serving cooperatives. They can carry out quite extensive and diverse activities - insurance, transport services, resorts, medical care, renovation work, consultations in various fields.
Credit consumer cooperative. Created to solve financial issues participants. The cooperative attracts personal savings at an interest rate, loans are issued, and mutual financial assistance is provided.

The meaning of opening cooperatives

A non-profit consumer cooperative was a very common organizational and legal form earlier. Cooperatives were opened everywhere geographically and in all economic spheres. Their number gradually declined after the perestroika times of 1991. The property of cooperatives was privatized by more entrepreneurial people, and citizens have forgotten how to build relationships on trust. However, the practice of cooperatives has proven to be effective. People create such communities for very different purposes: to buy goods at lower prices, to evenly distribute the costs of maintaining farms and repair services, to jointly accumulate capital and build housing. The advantages of cooperatives are obvious: due to the large number of participants, it is possible to carry out bulk purchases at prices much lower than market prices, there is the possibility of accumulating funds and its rational distribution in matters of maintenance of plots and other property. At the same time, the government in cooperatives is carried out by voting, which allows all members of society to speak out, and not to transfer all power to one hand. Even today it is impossible to imagine some types of activities without cooperatives - garages, gardens, summer cottages, rural communities.

Pros and cons of opening a cooperative

Any organizational and legal form carries certain advantages and disadvantages. The situation is the same with cooperatives. The organization of a consumer cooperative has the following advantages to the participants:

Equality and resolution of issues through voting. It doesn't matter what contribution the participant made, the amount may differ significantly, but the "weight" of the vote will be the same for everyone. Important issues are resolved only jointly; some decisions can be made only with a unanimous vote.
In cooperatives, all participants work. No more than a quarter of the total number of people are unemployed. At the same time, there is a minimum of hired workers.
The frequency of distribution of income is established in the cooperative also by means of voting. At the same time, you can divide the earned even daily. But the amount of the issued dividends should not exceed half of the net income.
The work takes place in a team of "friends". Questions about accepting a new member are also accepted by voting. If someone is against the expansion of the number of participants, it is impossible to accept a newcomer.
The number of participants is not limited. There can be infinitely many of them. But there is a minimum threshold of 5 people.
The organization of a consumer cooperative is also good in terms of taxation. If the number of participants is less than 100, and the income is less than 80 thousand rubles, the cooperative has the right to apply the simplified tax system.
The minimum age limit for participants is 16 years.

Cons, of course, are also enough. If you look at all of the above positive sides from a different angle, we will see the following picture:

It is impossible to independently decide in which direction to continue development, where to spend the profit and whether to accept a new participant.
You can leave the cooperative by taking your share and income due for the period. At the same time, the property that cannot be divided remains with the cooperative free of charge. You can sell your share either to other participants or to a third party, if it was allowed by the vote.
Hiring employees in a cooperative is difficult and not always allowed.
The members of the cooperative are liable for debts with all their property, and not just the shares contributed to the organization.

The process of opening a cooperative

The organization of a consumer cooperative is not a difficult task for initial stage as it might seem. The process of creating a society begins with the search for partners. There should be at least five of them. But it can be working and unemployed, free and remote employees, pensioners and schoolchildren from 16 years old. The sponsor can be legal organization... Of course, she will not work on a level with everyone, but she can provide funds for the first time. As a reward, a share is allocated to her, and therefore a part of deferred income.

Complete anarchy is impossible in any society, therefore, a cooperative needs a person who will represent the interests. This person is called the chairman. On behalf of the cooperative, he carries out all legally significant actions: registration, liquidation, reorganization, representation in courts and tax inspectorates. With a number of ten people, the creation of a board will be required. With the number of participants from fifty people - the supervisory board.

Further, the charter of the consumer cooperative and the minutes of the meeting on the establishment are written. After that, the participants pay the amount of share contributions in the amount of at least 10 percent of the contribution of each of them. A temporary account is opened, funds are deposited in cash or non-cash, marked "share contribution". Not only money is accepted, the contribution can be paid by property. It is evaluated by the participants and a free-form act is drawn up. After this procedure, you must pay a state fee. Its size is 4,000 rubles. After paying the fee, you can submit documents to the tax office to register a legal entity. In a few days, you need to get a ready-made certificate.

What is written in the charter

The charter is the most important document of any organization. All the nuances of the work are prescribed in it. Cooperatives are no exception. There are statutory clauses that must be included in the charter. For a company of this nature, the following information is required in the constituent documents:

full name of the legal entity;
actual and legal address;
purpose of creation and main direction of activity;
the rules adopted by the participants on the procedure for admission and withdrawal from the cooperative;
information on contributions, their size, payment procedure, sanctions for delay;
structure and composition of the governing body;
a list of the rights and obligations of the participants;
information on how profits and losses are distributed among members of the society;
description of the reorganization and liquidation procedure.

If the charter is drawn up with errors, it will not be accepted by the tax office. You will have to make adjustments, then pay the state fee again and only then apply for registration again. This is not only a waste of time, but also of money. Therefore, people who do not understand the nuances of office work prefer to hire a lawyer. You can do it on your own too. There are a lot of templates on the Internet. The founders of the company will only need to carefully replace the data of the fictitious organization with their own.

Consumer cooperative: capital

The main source of funds for any cooperative is the contributions of its members. Primary funds of a consumer cooperative are formed exclusively at the expense of the participants. In the future, capital can be increased different ways, depending on the direction of the organization. For example, a trade and production cooperative can raise money by selling goods and services. At the same time, the garage cooperative exists exclusively on contributions from participants.

The size of the mutual fund is not fixed and is not limited in size by law, in contrast to a company with limited liability... Its size is determined by the general meeting before registration with the tax office. In the future, the general meeting can also make decisions on changing the main fund.

Credit consumer cooperative

A credit cooperative is created by citizens or legal entities on a voluntary basis. The minimum number of members is 15 individuals or 5 legal entities. The purpose of the establishment is to satisfy the financial interests and needs of its members. There are two types:

credit cooperative of individuals (in such a cooperative there can be no legal entities);
credit cooperative of the 2nd level (this form combines several credit cooperatives).

A credit cooperative is a non-profit organization designed to meet the needs of shareholders. To achieve these goals, he combines the funds contributed by the participants, then offers them, if necessary, as a loan to his shareholders. In addition, other actions can be carried out that should lead to the goal for which the society was created. The activities of such cooperatives are regulated by the Bank of Russia and the Law "On Credit Cooperation".

Participation in a credit cooperative is often much more profitable option than loans and borrowings from banks. For its shareholders, society sets the most optimal conditions loan. The interest at which a loan is issued is almost always lower than the average bank average, and the term may be more optimal for a member of the cooperative. Participation in such a cooperative is most relevant for people whose activities are constantly associated with borrowed funds.

SPK

The agricultural consumer cooperative is the most common type of community today. Naturally, the bulk of all these organizations are located in villages and countryside... This is where it makes sense to engage in this activity. An agricultural consumer cooperative can be of any orientation:

livestock;
horticultural;
gardening;
supplying;
service;
trade;
processing;
SPK of a different type.

You can open it with a minimum number of participants of 5 people or 2 organizations. At the same time, there is a condition for carrying out work for members of the SEC. Namely, at least 50% of all work must be done for the participants.

The process of opening a company begins with developing a plan, submitting applications for participation from shareholders and holding a general meeting. Documents for registration of the cooperative are submitted after the completion of these stages.

For individual farmers and rural residents who run their own farms, participation in the SEC is beneficial. It is difficult and time-consuming to cultivate vast areas of land without expensive equipment, and when you open an SPK, you can buy this equipment with a benefit for each participant. The same goes for equipment for poultry and livestock breeders. Special buildings, equipment for the care, medical care of animals, the purchase of feed - all this becomes much more profitable when opening a legal entity. Thus, the quality of products, their quantity increases, and the costs of each individual participant become lower.

A production cooperative, although a legal entity, looks more like a virtual democratic state than a company. All participants are equal, decisions are made by voting, and outsiders are simply not allowed in.

(This is the main advantages of the cooperative. They are also disadvantages)

You have to:

explore the benefits of cooperatives
understand why almost no one opens them
register a cooperative, if you dare to do so

What is good about a cooperative

Equality... Important questions are put to a vote, in which all members of the cooperative participate. You cannot decide alone how to share profits, in which direction to develop and whom to make a new member of the organization. If you have a problem or an idea, listen to the opinions of others.

There are no habitual bosses who give orders and who have the final word. The cooperative has a chairman (he is also elected by voting), but the scope of his powers is still determined by the decision of the general meeting or the supervisory board.

Individual entrepreneur runs the business himself. In an LLC, a participant or a group of participants who own a larger share in the authorized capital puts an end to disputes.

Everybody works... Most of the members of the cooperative work themselves and, in addition to income from the business, receive payment - in money or products. Those who do poorly are kicked out of the organization (you're right: by vote).

The cooperative may allow someone not to work, but the bummer will have to pay an additional amount to the mutual fund. Non-working participants should be a maximum of 25%.

There are no hired workers or there are few of them: the number of people in the state cannot exceed 30% of the number of members of the cooperative.

LLC members can own part of the business, receive dividends and not work. Enough to invest, hire general director- and not appear again. An individual entrepreneur also has the right to form a staff and entrust it with affairs.

Money - at any time... The frequency of income distribution is set by the members of the cooperative: you can divide the earnings at least every day. But a maximum of 50% of net income is allowed to be issued as dividends.

The individual entrepreneur also freely disposes of the profit, only he does it alone. But the participants of the LLC are paid dividends no more often than once every three months. The amount is limited by the amount of the company's net profit.

Calm, because only your own... Adopting a newcomer to a cooperative is possible, but only unanimously. If you don't like potential participant- let him go through the forest.

On the other hand, you cannot take and sell a share. There are three options:

Leave the cooperative, having received your share of the mutual fund and the income due. But there will be no compensation for the indivisible property. If, over the years of work, the cooperative has moved from a rented basement to its own mansion or acquired a car fleet, all this will remain for the cooperative.
Sell your share (share) to the members of the cooperative.
Submit to a vote the question of selling a share to a non-member of the cooperative. If the participants vote "for" - there will be a deal. "Against" - alas.

An LLC participant sells his share at any time and does not ask permission from colleagues. The sole proprietor owns the business.

Unlimited number of owners (but at least five)... The cooperative accepts as many participants as you like - even the whole of Moscow. But it has no right to exist if there are less than five of them. In this case, the cooperative is liquidated or reorganized into an individual entrepreneur or LLC.

An LLC can be owned by one person, maximum - 50 legal entities and individuals. SP is always one.

Simplified taxation system. If the cooperative has up to 100 participants and its annual income is not more than 79,740 thousand rubles, you can apply the simplified taxation system (STS). In this case, the cooperative pays income tax at the rate of 6% on income or 15% on income after deducting expenses.

However, employees' salaries will have to pay 13% of income tax (PIT) and insurance premiums to the Pension Fund, the Mandatory Health Insurance Fund and the Social Insurance Fund. All together - at least 49.65% of the salary "on hand" if there are no benefits.

From dividends, members of the cooperative pay 13% of personal income tax.

OIP and LLC can also work on the simplified tax system, insurance premiums for employees are the same. An individual entrepreneur without employees at the end of the year pays fixed insurance premiums: 23,153 rubles 33 kopecks + 1% from incomes above 300,000 rubles, and does not pay personal income tax.

Low age threshold... You can create a cooperative and join it from the age of 16. No additional documents required.

To do the same with an LLC or individual entrepreneur, you will have to lead your parents to a notary or emancipate yourself.

Why does almost no one open cooperatives?

Advantages turn into disadvantages, if you look at them from a different angle. Starting a cooperative is a bad decision if you:

the only founder or founders less than five
want to run the company yourself
consider the business as an investment without the obligation to work (at least over time)
will hire employees
admit that you will sell the company or a share in it
do not want to risk your property. The participants extinguish the debts of the cooperative to partners, banks and the state from their own pockets. At stake is money from personal accounts, valuables and real estate (except for the only home). The owners of the LLC, if they conduct an honest business, are not responsible for the financial problems of the company. The most they will lose is their share.

In other words, if your goal is to build a growing company and make more and more money, forget about co-op. This story is more about joint employment than pure business.

If it is more important for you to do what you love in the company of enthusiastic like-minded people (and you are not afraid of quarrels when making decisions), a cooperative is a worthy choice.

How to create a cooperative

Assemble a team
Find at least five partners. Anyone will do: working, unemployed, freelancers, individual entrepreneurs and schoolchildren, if they are over 16. You can "call" a legal entity as an investor. It will not work, but it will give money and demand its own piece of the pie, that is, a share (and with it a part of future income).
Select a chairman
He runs a cooperative, represents its interests in court and submits tax reporting... It is the chairman who will go to submit documents for registration of a legal entity.

If the cooperative has more than 10 people, it will be necessary to create a board: under the leadership of the chairman, it leads the organization from one meeting of cooperative members to another. Well, if there are more than 50 participants, it is also necessary to create a supervisory board that monitors the work of the board.
Write the charter
This is the main document of the cooperative, a set of its rules. Everything is indicated in the charter: from the name and type of activity to job responsibilities participants and profit sharing rules. Invite a lawyer to draw up the paper: if there are mistakes, the tax office will refuse to register, and then you will have to correct the text and pay the state fee again. However, you can do it yourself too - use any template.
Draw up the minutes of the meeting on the creation of the cooperative
Like the charter, it will be asked at the tax office.

Pay your shares

You can set any amount, at least 100 rubles. Unlike authorized capital OOO, minimum size there is no mutual fund.

Before registering a cooperative, each participant must contribute 10% of his contribution to the mutual fund. The rest can be paid within a year after registration.

To collect the amount, open a temporary bank account. Deposit the money in cash at a branch or via the Internet bank. In the purpose of payment indicate: "Share contribution".

The fund can be replenished not only with money: things, stocks, real estate will also work. Their value is determined by the members of the cooperative, after which they draw up an act of property appraisal in free form. If things cost more than 250 minimum wages (in 2016 this is equal to 1,875,000 rubles), an independent appraiser will be required.

Pay the duty too

The issue price is 4000 rubles. You must pay on the website of the Federal Tax Service, at a bank branch or terminal in the tax building, if it is installed there (in Moscow number 46 - yes).

Submit documents for registration

Contact the tax office that serves the legal address of your company. In Moscow, tax office No. 46 is responsible for the registration of legal entities.

You will need the same set of documents as. The process of registering legal entities is the same: for the tax authorities there is not much difference who you are - LLC, PJSC or PC (this is the abbreviated name for production cooperatives).

Get your registration certificate
It will be done three to five days after the application is submitted. Go to the tax office to pick it up or wait for it to arrive by mail - it depends on the method of receipt you indicated in the application. Together with the certificate, you will receive a paper with the TIN number of the legal entity, the charter with the tax authorities' mark and the entry sheet of the Unified State Register of Legal Entities (USRLE).

That's it - the cooperative is ready to go. You can order a sign and throw a party. And to decide what to do first, call a meeting and vote.

Association of Cooperatives of British Columbia Province of Canada ( British Columbia Co-operative Association , BCCA)is an "umbrella organization" that operates on behalf of cooperatives and credit unions in British Columbia, Canada. The BCCA promotes cooperatives as powerful tools for public control over local economies and as key strategies for economic and social reform.

Getting Started: Cooperative Checklist

There are a number of steps to follow if you are interested in exploring cooperative ideas. You may already have a core group of people with whom you work. You may already have a business, but would like to turn it into a cooperative structure. You may be unsure what kind of business structure you want. These steps are structured so that you can start where you already are, or you can use them to fill in the gaps you missed.

Starting a business can be tricky - but try not to get discouraged! It certainly takes time and dedication, but success in starting a cooperative usually meets the necessary needs. Working with a group is challenging, but at the same time, it is in the midst of your colleagues that you can find support.

Big three

To help you get started, consider what the BCCA calls the “big three” questions in the box below. These are the basic questions that can help you move towards founding and growing your cooperative, detailed in the nine steps below.

The big three questions to start your own cooperative:

Do you have your own steering committee? [Step 1]
Who are your members? [Step 5]
How will your co-op make money? [Step 6]

Step 1: Development team

I have an idea, what should I do now?

Find other people in your area with similar needs or ideas. You need at least three members to start a co-op, but this is usually between three and seven stakeholders to form a steering committee or working group... Tell us about your idea. Read the newspapers. Talk to other people with similar needs.

It can sometimes be difficult to find other people who have similar interests or ideas. It can also be difficult to find the support you need. It is important for both you and the cooperative to have a support network in your community and in the cooperative sector.

Another aspect of group formation that should be kept in mind is the skills and resources that each member can bring to the steering committee. it good idea to have someone with financial expertise, for example, or someone with web editing, marketing, or industry knowledge (like lumber, local food, healthcare, etc.).

Make sure you have a group with a diverse set of skills.

The final discussion is a group process - see if you can get along with each other. How will you build rapport between those who focus on details and those who are accustomed to thinking broadly? Will you work on the basis of consensus (with consensus, in order to make a decision, you need the consent of absolutely all participants, not just the majority)? How do you feel about the fact that some have less time to devote to the development of the cooperative? How will you deal with issues of leadership, power, and authority on the steering committee?

The objectives of this step are:

Creation of a committee / working group
Attracting people (and organizations) interested in your idea

Step 2: Needs and Opportunities

We have a stakeholder group - now what?

For cooperatives is a common feature start your activity when there is a need or opportunity for it. For example, the owners of a company, business, or factory may sell or close a company and workers risk losing their jobs. Therefore, employees can make a decision to buy a business and carry it out on their own.

NEED:Local communities often lack certain products or services. A cooperative can be formed to provide a community with these products or services.

POSSIBILITY:Sometimes changes in communities or in manufacturing create new opportunities for services or products. Cooperatives can be formed to take advantage of these opportunities.

Before you go any further, you need to be sure that your idea is geared towards a specific need or opportunity. For example, if you need a job, you can create a workers' cooperative that provides jobs for its members. Remember that your workers' cooperative , in order to be successful, must offer a service or product in which there is a need in the market.

Think about your community. Where is she located? Who does it consist of? Your community may be defined by specific groups of people rather than geography. Local ethnic, trade, professional, religious, cultural and educational groups and organizations can be a source of support, inspiration and potential members of a cooperative. How will your cooperative idea serve your community?

If certain products are not sold in the immediate vicinity of your community, consumer cooperatives can arrange their delivery. The same goes for services. Your community may lack cultural or recreational services. A cooperative can be organized to provide them. Wherever there is a need or opportunity, you can create a cooperative in return.

Considerations:

Is your cooperative serving a need or seizing an opportunity? For you, your members or your community?
Talk directly about your idea. Communicate with others according to your ideas and your feelings. Make sure everyone knows which direction you are heading and what your overall goal is.
Study the activities of cooperatives, cooperation in general, and the specifics of teamwork. Learn how to have effective meetings.
Research - Learn about cooperatives, credit unions, and business development.
What tasks or jobs will each of your members have? Make sure everyone has a clear role or tasks in the development phase.

Step 3. Suitability of the cooperative

How do we know that a cooperative is exactly what we want?

There are different types of businesses and business structures that could address your needs or realize opportunities. At this point, you must determine if the cooperative structure is right for you.

You must remember that a cooperative is a business, but a special type of business. The dedication of cooperative members is critical in ensuring that the cooperative maintains its democratic governance and serves the needs of its members. The creation of a cooperative (or any enterprise) takes time and dedication to ensure that each member has a stake in the capital and to bring them to work.

Not only does the co-op have to be there for you, but you also need to make sure you are adding value to the co-op. Working in a cooperative does not mean that everyone does everything together. However, you must be able to work together on important decisions, you must be willing to communicate, share, discuss and find decisions that you and other members can make. Together, you must be willing to share risks and responsibilities.

Define:

Step 4. Development of your idea or concept

We believe that the cooperative can better meet our needs. How can we develop our cooperative enterprise?

In the previous steps, you learned more about co-op in general. Now you need to learn more about your enterprise as a special kind of business or service. For example, if you are starting a cooperative cafe, you need to learn about how such establishments work. For example, do some research to find out which suppliers provide equipment to cafeterias and how cafeterias are structured.

Goals for this step:

Talk to people who are members of the type of cooperative you are creating (for example, housing cooperatives or bakery cooperatives). Find out how they work, write down their features and nuances of work, every detail is very important.
Learn about the specifics of business in your sector of the economy. Participate in seminars on how to start a business in your area. It would be extremely useful to visit such enterprises to see how they work live.

Step 5. Determining the structure of the cooperative

The key question for your steering committee is who will be the members of our cooperative? Answering this question - producers, consumers, or workers - will help you determine which type of cooperative best suits your business idea. Some cooperatives combine two or more types of members and form multilateral (hybrid ) cooperatives (with several types of stakeholders). Such flexibility in types of cooperatives and combination different types members gives the cooperative business model greater elasticity, which allows the cooperative model to be applied to virtually all possible business ideas.

You must also determine if your cooperative will be commercial or non-profit organization to provide services to the local community, the so-called. municipal cooperative ("Community Service Co-op"). In British Columbia (province of Canada), for example, nonprofit cooperatives are legally equated with public organizations and are entitled to status charitable organization.

Nonprofit cooperatives in local communities require permanent provisions in their bylaws to ensure that the cooperative operates on a non-profit basis and its purpose is charitable activities or providing medical, social, educational or other services to the local community.

For example, in Canada, to include a cooperative in the list of municipal cooperatives, its founding document(charter) must include the following unchangeable provisions:

That the purpose of the cooperative is to provide services to the local community;
That the cooperative does not issue investment shares;
That upon liquidation of a cooperative, its property must be transferred to another municipal cooperative or charitable organization, and
That no part of the property of the cooperative can be distributed among its members while it is working.

Only with the inclusion of these provisions will British Columbia Canada's law formally recognize the unique value and role of cooperatives that wish to operate on a non-profit basis.

Step 6. Feasibility Study and Business Plan

What needs to be included in the feasibility study and business plan ?

Feasibility study. Once you have a clear idea of what your co-op will look like, you must determine if your co-op will be viable in financially by preparing a feasibility study. The main question you have to answer in the feasibility study is is your co-operative idea a good business idea? How much income do you need to break even? Is your product or service one of those your customers are really interested in and will they pay money for? To prepare yourself for the feasibility study, study the Cooperative Self-Assessment Tool with your steering committee (see Appendix A.).

A feasibility study examines in detail the factors that will determine whether a business is feasible. These factors include:

Market	Industry, market niches, customers (real and potential), competition, cooperation, market expectations
Supply and materials	Cost of goods
Manufacturing process	Equipment, transportation, labor
Operating (running) costs	Work, utilities, insurance
Fixed (overhead) costs	Labor, ancillary services, utilities, finance, office / warehouse / manufacturing facility / store
Financial performance	Capital expenditures include depreciation, projections (sales), income statement, break-even point analysis, cash flow statement, risks
Financing options	Leasing, renting, buying, sharing
Membership Capital Options	Working capital, reserve capital

For your feasibility study, define and delineate:

Business (members, type of cooperative, size, location, etc.);
How much money will you have to spend to start your co-op;
How much money will you invest, both at launch and after launch;
How your cooperative will perform financially based on these numbers.

See Appendix B, Elements of a Feasibility Study, for more information.

Business plan... Once you have identified the main possibilities of your co-op idea, you will need to develop a business plan ... A business plan differs from a feasibility study in the large amount of detail it covers and in its focus on planning, as opposed to the research aspect of a feasibility study. A business plan focuses on the tactics and strategy for implementing your project and outlines your plan for business growth and resilience.

The two key elements of a business plan are financial and marketing plans. Together, these plans will show you how your business will perform and how it will finance and market itself.

For your business plan, you need to develop:

A. FINANCIAL PLAN

All your expenses:

Initial costs (start-up)
Operating (running) costs (income + expenses)
Cash flow (cash flow)
Wage
Equipment (from tables to refrigerators)
Hidden costs (shipping costs, etc.)
Heating, water, rent office space etc.
Loan payments (how and when you will pay them)
Financial forecast
Training costs (think about what training you need to start and grow your business).

Besides, you need to show how you will bring income to the cooperative. This can be in the form of the sale of products or services, or special targeted grants or subsidies. When you subtract all of your start-up and start-up costs from income, you will usually find that there is a shortage of money during that time. To cover this, you need funding, or in other words, you need to raise capital.

There are five ways to finance (capitalize) your cooperative:

Sale of shares (only for commercial cooperatives);
Acceptance of loans from members;
Collection of fees from members;
Borrowing from other sources (venture capital, financial institutions, credit unions, friends, family);
Government, entrepreneurial and social grant programs (for example, in Canada, such programs exist, as a rule, only for non-profit municipal cooperatives).

Think:

How much money do you need to get started?
How much money do you need to run your business?
Where will you find funding?
How will you pay on loans?

B. MARKETING PLAN.

The marketing plan looks at four points of marketing: product, location, price, and promotion.

Your market (who is potential buyers or users?)
What quality of services and products will you offer?
How much will you charge for your product or service?
How will you promote (roughly speaking, PR) your cooperative?
Where will you be promoting your co-op?

It can be difficult to translate your ideas into the material plane. It would be helpful to get advice when developing these plans. There are institutions and federations that offer consulting services and post written recommendations on their websites. An experienced cooperative developer can also be critically needed in this situation. You can sometimes find help at economic or business development centers in your community.

Step 7. Legal registration of your cooperative

We've come this far - but how about doing it legally?

You are not required to register as a cooperative in order to conduct your business on a cooperative basis. You can work collectively and collaboratively, but if you are not registered as a cooperative, you may not use the word cooperative in your legal name.

Benefits of registering as a cooperative include protection from personal liability (losses and other obligations will be collected from the cooperative, not from you as individuals), consumer protection, trust, legal recognition, access to credit programs, links with cooperative organizations and federations ...

Step 8. Internal structure and roles

How can members and staff work together?

Now that you are officially registered, you want to create the internal structure of the cooperative.

Cooperative members are required to conduct an annual general meeting to elect the board of directors and its officials(president, treasurer, secretary). The board of directors hires a manager. The manager (or the Board of Directors if you don't need a manager) is hiring staff. Vworkers' cooperative , workers are members and owners / managers.

Your membership, be it a group inconsumer cooperative or a small group at work requires:

Define the responsibilities of members - how do you separate regular work and volunteer work
Decide how you will pay workers
Define the roles of members, staff, directors, officers
Select the Board of Directors; The board of directors needs to elect officers
Vote on proposals
Act on decisions and hire staff if needed
Find equipment if needed
Join your local cooperative association and associated federation. When you go through all these processes, you will be on your way to a cooperative future!

Step 9. Supporting the cooperative in working order, care and growth

The task of founding your co-op may already be over, but you will be constantly faced with the task of surviving and growing. You will need to maintain the quality of services and products and grow in financial plan... You will need to continue exploring cooperation and collaboration in order for your cooperative to flourish.

Co-op developers have specialized skills that can be used to tackle problems in a co-op at all stages, from foundation. In addition, they can be invaluable in helping to address the many complex issues that cooperatives will face during growth and maturity stages.

Federations and local cooperative organizations often provide education and vocational training to its members through conferences, seminars, publications, and sometimes with a visit to your cooperative. Each federation has its own program of services, which range from the so-called. whiteboard lectures, education for members and government relations to seminars on governance, legislation, and how to develop educational plans. In general, these programs are broad and varied.

Remember - cooperatives get stronger by working together. Other cooperatives and credit unions may be able to offer support, funding or services through the possibility of creating joint ventures or they can become a market for the goods and services that your cooperative offers. You, in turn, may be able to provide the same for other cooperatives.

Consider the following questions:

Preparatory and training programs for the Board of Directors
Preparatory and training programs for members
Cooperative training of staff, members of the local community
Increasing or improving the quality of their services or products
Finding ways to grow financially
Possible joint projects or activities with other cooperatives at local and regional, national and international levels
Keeping records and reporting to government bodies

Success factors for cooperatives

Research has shown that cooperatives have a higher survival rate than regular businesses. What explains the success of cooperatives? A 2008 study in Quebec, Canada found the following success factors:

Four factors show that more high level the survival of cooperatives is associated precisely with the special structure inherent in the cooperative model:

Focusing on serving members rather than making a profit influences business decisions;
The central role of a cooperative member who is both an investor and a consumer in the cooperative;
Democratic in nature, return of profits to members and an open management structure for cooperatives;
Support for cooperatives from local communities, for which cooperatives mainly work.

Three factors also point to the historical advantage as well as the business environment of cooperatives:

Strong representation in sectors of the economy that meet basic human needs, including Agriculture, forestry, housing services, education and funeral services;
Most cooperatives operate in regional and industry networks;
Support for primary and secondary organizations, which contributes to better project management in start-ups in the development and search for financial and tax instruments and resources, adapted to the cooperative model.

A study by the British Columbia (Canada) Cooperative Association (“BCCA”) to assess cooperative survival between 2000 and 2010 shows that cooperatives have the following success factors:

Financial factors, both in terms of adequate start-up capital, and in the issue of the implementation of start-up capital for success in a cooperative;
Education and experience of the Board of Directors;
Paid management with prior cooperative experience (as opposed to free managers without cooperative experience);
Preparation and attraction of expertise of qualified external consultants;
Business planning and clarity of purpose.

The top advice respondents gave for new startups was:

Get outside help (i.e. consultants);
Anticipate problems and solutions;
Be flexible in a cooperative structure that is constantly evolving.

The respondents also advised new groups to keep their simplicity and purposefulness, to get the approval of the local community; make a business plan and feasibility study; talk to other people who do similar things; develop your own structure and policies.

Appendix A - Cooperative Self-Assessment Tool

What need / opportunity is your cooperative aimed at?
Are there other organizations or businesses that this moment fill a niche of this need in your area? If so, please list them.
How has this need been met in the past?
Why is it now possible to create a cooperative to meet this need?
Who will benefit from the development of this cooperative and how do they benefit?
Why are you considering a cooperative model to meet this need? Why do you like the cooperative model?
Will the cooperative be commercial or non-commercial?
How many people are working together to launch a cooperative?
What skills and resources do they bring to the group?
What other skills and resources do you need?
How will you access these skills and resources, and how will you develop them?
Why do you want to start a business together and not each one separately?
What experience do you and / or your group have in teamwork to achieve the goal?
What lessons have you learned from this experience?
What's your strategy to garner support for a co-op?
What steps will be required to achieve your goal of creating a cooperative?
Developing a cooperative requires talent, time and perseverance. Describe the efforts that you and other members of the group are willing to make to develop the cooperative over the next 6 months, a year and 2 years.
What do you hope to get from your participation in the co-op?
How will you finance the cooperative? Consider the costs of both the development of the cooperative and its ongoing operations.
Is there any assessment of the feasibility or appropriateness in the market for your product or service?
What further research or information do you need to help you make the decision to start a cooperative?

Appendix B - Elements of a Feasibility Study

Potential of the working group for the development of the cooperative:

Group development level (consensus on shared vision, skills, strengths and weak sides"key figure");
Support systems (A network of personal or professional contacts available to an individual or organization for practical or moral support if necessary);
Access to finance;
Capital available for investment;
Motivation and Expectations (Key Result Areas, Minimum Acceptable Results).

Product offered:

Clarified product definition;
Packaging, promotion;
Market analysis (most accessible market, profitable market, go-to-market strategies, competitors' products, popular (fashion) trends);
Features of production (how complex it is, how risky it is, is there a need for special processing, etc.);
Equipment (quantity, capital cost, location);
Employees (qualifications, employment problems, number of employees, workplace safety)
Production control management
Market availability of key components for production, market size and delivery.

Potential income:

Market analysis (market definition, scale, reachability);
Pricing, price sensitivity;
Income potential.

Financial forecast:

Brief income statement / cash flow analysis to determine the break-even point;
Capital Adequacy Requirements.

Brief conclusions:

A summary of members' expectations;
Preparation for the development process;
Positive and negative factors of development;
Canada)