Forschungsstelle für Genossenschaftswesen

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Hohenheimer Genossenschaftsforschung 2013
(2014) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2014
(2015) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2015
(2016) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2016
(2017) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Eigenkapitalmanagement in Genossenschaftsbanken vor dem Hintergrund von Basel III
(2018) Reifschneider, Annika; Doluschitz, Reiner
How will German cooperative banks face the dare of the new Basel III framework now and in the future? This cumulative doctoral dissertation should provide an insight into the results to this question. The sequencing as the methodical concept was choosen to establish a profound impression of the possible concequences of the increased worldwide acknowledged requirements within the supervision system of the banking sector. The combination of methods, the sequencing, seemed to be applicative, due to the fact that there is only very limited availability of appropriate literature when analysing specific consequences and impacts of new established standards. During the conception of the questionnaire for the broadly based online survey the choosen methodical approach and the implementation of two consecutive empirical studies enables to fall back to the results of the guided interviews with finance experts. At last case analyses were carried out, refering to the findings of the online survey. Diverse and meaningful results were obtained through the analysis of the availiable data – the results of the interviews and the evaluation of the available secondary literature. The following section will provide a brief résumé of the achived results: The cooperative banks with their unique company culture is based on a specific governance structure and the guidance on values of the traditional legal status registered governance. Certain principals and values were identified as reasons for the efficiently overall system. Of particular interest are the self-help principle and the principle of democracy as well as certain values such as the cooperative mission of promoting the members, transparency and a high equity capital ratio. In addition the cooperative institution guarantee provides more than the legal regulations of deposit protection. It ensures both the bankruptcy protection within the affiliated companies of the FinanzGruppe and the comprehensive protection of all bank client deposits. Certain experts have raised critical objections such as the danger of a Moral Hazards. Those critics can be encountered by indicating to the reduction of the asymmetrie of information, which is based on the transparent corporate management. The communication contributes sharing the important cooperative values and general principles of the executive board as well as it supports a long-term membership and customer loyalty. The co-operative objective to advance and support their members is even fixed in §1 German Cooperatives Act (§1 GenG). At the same time the memberhip itself is an important and reliable aspect regarding the generation of equity capital which plays a central role concerning the introduciton of basel III. Within this context there are for sure common equity instruments like creation of deposit money and interest income. Furthermore the payings of the members are a possibiliy to rise equity capital. With regards to this it has to be noted that the cooperative shares can not be freely transferred, they do belong to a defined person. So if a person quits the cooperative the share capital of the Cooperative will be reduced. Cooperatives are not forced to hold a certain amount of capital stock. The share capital of each member builts the actually available liquid funds of the institutions. In addition the explained combined system with the DZ BankAG as highly quoted credit institution does a significant bit for the generation of equity capital. For instance an important aspect is the sourcing of mezzanine capital at the capital markets which is realized through the DZ BankAG. Within the following years it is recommanded to closely monitor the actual impacts and effects resulting from Basel III. According to this empirical research in general the cooperative banks should be able to cope with the challenges and consequences. Of course adaptions and changes are inevitable in some areas. But concerning to the fact the cooperative banks have quite strengthened during the recent times of crisis it should be safe to say that the cooperative banking group is going to stay a competitive structure within the credit intitutions in Germany. The recent banking crisis has shown that in opposite to many of the global Systemically Important Banks the co-operative banks with their regionwide branch network of often small structured primary banks overcame this challenge very well. This fact should be noticed by establishing the new regulatory framework Basel III.
Hohenheimer Genossenschaftsforschung 2017
(2018) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2018
(2019) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2019
(2020) Forschungsstelle Genossenschaftswesen; Doluschitz, Reiner
Verhaltensökonomische Aspekte in der strategischen Entwicklung von Mitgliederbeziehungen in ländlichen Genossenschaften
(2020) Jensen-Auvermann, Tessa Katharina; Doluschitz, Reiner
Due to ongoing processes of change, the frame conditions for rural cooperatives (coop) and their members are constantly changing. Change processes are of interest because they influence, among other things, the needs of people and, accordingly, business areas. The complexity of agricultural production is increasing in the course of these processes of change and, as a result, farmers have an increased need for knowledge and information in order to further develop their business. One form of organisation that supports its members, e.g. in the form of advice, is the registered association. Additionally, the competitive pressure on rural registered associations is increasing. In order to adapt to the changes in the agricultural economy, rural cooperatives make structural changes. In the course of the consolidation process in the cooperative sector, the heterogeneity of employees and members increases on the one hand and on the other hand, there can be a loss of trust between the organ company and the cooperative member. As a consequence, the commitment and loyalty of the member with regard to his or her coop may decrease. Against the background of the described transformations (pressure of adaptation and innovation from German farmers and the consolidation process in the cooperative sector) and their strategic importance for the agricultural and food sector as well as the view, that cooperative research is an application-oriented science, the present dissertation aims to answer rural coop practice-relevant questions within the framework of their membership management. Thus, a transfer of knowledge from research to practice can be enabled and a sustainable development of rural cooperatives can be promoted. Consequently, the following research questions (rq) were addressed on the basis of New Institutional Economics, behavioural economic approaches and with the help of analytical tests, such as the Mann and Whitney U-test, and regression analyses: rqi: What do members of rural cooperatives understand by the quality of service provided by their cooperative? rqii: How can relationships of trust between members and employees in rural cooperatives be shaped successfully? rqiii: What member value can cooperatives provide for the development of rural regions? The studies listed in this cumulative dissertation are increasingly based on data sets that were collected in the federal state of Baden-Württemberg using quantitative survey instruments such as written questionnaires in the period 2016 to 2017. Among others, the MemberValue model is applied. Here, the effectiveness of the specific funding mandate of the respective coop is analysed by applying it. The different samples of the studies accompanying this dissertation are composed of employees, members and leading members of community oriented and a rural coop. Employees represent a necessary factor for the fulfilment of member satisfaction and loyalty. According to the current knowledge of the author, the member-employee relationship in the latter rural coop was therefore examined in more detail for the first time. This cumulative dissertation provides new insights for the inner-organizational understanding of coop in the German-speaking area - especially with regard to soft factors such as participation, trust and satisfaction.
Hohenheimer Genossenschaftsforschung 2020
(2021) Doluschitz, Reiner
Hohenheimer Genossenschaftsforschung 2021
(2022) Hess, Sebastian
Hohenheimer Genossenschaftsforschung 2022
(2023) Hess, Sebastian

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