CREDIT CONSUMER
COOPERATIVE OF CITIZENS
"CREDIT UNION OF TEACHERS"
Who among us has not found ourselves in a situation where money is urgently needed - to pay for treatment, a ticket, buy a new washing machine, refrigerator, make repairs, pay for a child's education. And there is not enough money. at the bank for consumer lending will require to issue various papers, and the interest on the loan is quite high. It is much easier, safer and more efficient to use the services of the Teachers' Credit Union.
The Credit Union of Teachers was established by the Moscow City Organization of the Trade Union of Public Education and Science Workers of the Russian Federation in 1998. This is not a commercial organization, it does not aim to make a profit. The KSU enables its members to save and borrow.
KSU is a reliable saving and accumulation of funds, the possibility of obtaining a loan at low interest rates. Since 2008, the credit union began to accept personal savings of shareholders in the form of deposits at 15% per annum.
BENEFITS OF KSU:
- low interest rate - 1% and 1.25% per month of the remaining loan amount, depending on its purpose;
Our address: Prospekt Mira metro station (ring), Protopopovsky lane: 25, office 243.
Telephone
Days and hours of admission:
From October 01 to May 31: Mon, Tue, Thu - , Wed - , Fri - ,
2nd Saturday of every month.
From June 01 to September 30: Mon, Tue, Wed, Thu - , Fri - .
"Approved"
at the general meeting
members - shareholders of the KKKG
Teachers' Credit Union
CONSUMER CREDIT MEMBERSHIP STATEMENT
COOPERATIVE OF CITIZENS "CREDIT UNION OF TEACHERS"
1. Members of a credit cooperative (shareholders) may be individuals who have reached the age of 16.
2. An application for admission to membership of a credit cooperative shall be submitted in writing to the Board of the cooperative. The application must contain an obligation to comply with the Charter of the credit cooperative.
3. Membership in a credit cooperative arises on the basis of a decision of the Board of a credit cooperative from the date of making an appropriate entry in the register of members of the cooperative.
4. A member of a credit cooperative is issued a membership book confirming his membership in a credit cooperative.
The membership book contains the following information:
4.1. name and location of the credit cooperative;
4.2. surname, name, patronymic of the shareholder, an identification number member of the cooperative;
4.3. postal address, telephone number of a member of a credit cooperative, the date of his entry into a credit cooperative, the amount of the mandatory share and entrance fees and the date of their payment, registration number entries in the register of members of a credit cooperative, the date of issue of documents confirming membership in a credit cooperative.
5. Members of the CCCG "CCU" have equal rights and bear equal obligations.
6. A member of a credit cooperative has the right to:
6.1. receive loans on the terms stipulated by the Regulations “On the procedure for granting loans to members of a credit cooperative of citizens”, approved at the general meeting, use other services provided by the credit cooperative.
6.3. transfer to the cooperative on the basis of agreements and receive from the credit union their personal savings, as well as receive income from them in the manner and on the terms determined by the Charter and the Regulation "On the procedure and conditions for attracting Money members of the credit consumer cooperative of citizens "Credit Union of Teachers".
6.4. participate in the management of a credit cooperative, including in the work of the general meeting of members of a credit cooperative:
Initiate the convening of a general meeting of members of the credit cooperative,
Participate in the discussion of the agenda and make proposals on the agenda of the general meeting of members of the cooperative,
6.5. receive information from the bodies of the credit cooperative on issues of its activities, including getting acquainted with the minutes of the general meeting, the annual financial reporting, with an estimate of income and expenses for the maintenance of the cooperative and with a report on its implementation.
6.6. receive the amount of share savings in the event of termination of membership in a credit cooperative in the manner prescribed by the Federal Law "On Credit Cooperation" No. 000-FZ dated July 18, 2009 and the Charter of the CCU.
6.7. appeal against the decisions of the bodies of the credit consumer cooperative in judicial order and in the manner prescribed by the Charter of the cooperative.
7. Members of a credit cooperative are obliged to:
7.1. comply with the Charter of the credit cooperative and implement the decisions of the bodies of the cooperative;
7.2 deposit additional contributions, determined by the general meeting of members of the CCU, within three months after the approval of the annual balance sheet of the credit cooperative, if necessary, to cover the losses of the credit cooperative in accordance with paragraph 4 of Art. 116 of the Civil Code Russian Federation;
7.3. jointly with other members of the cooperative, bear subsidiary liability for the obligations of the credit cooperative within the unpaid part of the additional contribution;
7.4. Timely return the loans received from the credit cooperative, and in case of termination of membership in the cooperative, return the loans received from the cooperative ahead of schedule.
8. Membership in a credit cooperative is terminated in the event of:
8.1. exit from a credit cooperative;
8.2. exclusion from members of a credit cooperative;
9. An application for withdrawal from a credit cooperative shall be submitted in writing to the Board of the cooperative.
10. If a member of a credit cooperative fails to fulfill the obligations provided for in clause 7 of these Regulations, the Board of the credit cooperative has the right to exclude him from the members of the cooperative. The decision to expel a member of a cooperative may be challenged in court.
KKKG "Credit Union of Teachers"
WHAT IS KKKG "KSU"
Credit consumer cooperative "Credit Union of Teachers" (CPC "KSU")
was created by the decision of the meeting of the initiative group of the Moscow City
organization of the Trade Union of workers of public education and science of the Russian Federation in October 1998
of the year. In fact, the cooperative began its work in April 2003 and became for many
people as a mechanism for solving such important and urgent social tasks as urgent
financial aid. In May 2010, CPC "KSU" changed its organizational and legal form to the Credit Consumer Cooperative of Citizens "Credit Union of Teachers"
(KKKG "KSU").
In the recent past, there were mutual aid funds, which were often the most significant material support in making various purchases and meeting other financial and everyday problems. It can be said that KSU KSU is a mutual benefit fund, but in a different, more perfect and modern form.
KKKG "KSU" - not commercial organization.
KKKG "KSU" is a voluntary association individuals on the basis of membership, created on a territorial and professional basis in order to meet financial needs.
KPKG "KSU" - carries out its activities on the basis of the Charter, Civil Code RF, Federal Law No. No. 190 - Federal Law "On credit cooperation".
The supreme governing body of the cooperative is the general meeting of members - shareholders of the cooperative. Between general meetings The management of the cooperative's activities is carried out by the Board of the cooperative.
It is difficult to underestimate the social significance that the KCU "KSU" carries in its activities. The cooperative provides precise guidance for those who need financial support today but don't know how to get it. But even if you do not have such problems, don't you want to join a team where YOU will always be extended a helping hand?
GOVERNING BODIES
Chairman of the CCC "KSU" - Ivanova Marina AlekseevnaBoard members:
Safonova Natalia Alexandrovna Assman Natalia Nikolaevna Nikitina Valentina Mikhailovna Semenova Galina Nikolaevna
Members of the Loan Committee:
Mikhailova Natalia Nikolaevna Zubkova Marina Gennadievna Yakushkina Lyudmila Vasilievna
Members of the Supervisory Board:
Popkov Fedor Eliseevich Demyanuk Lyudmila Ivanovna Platonova Nina Mikhailovna
CONDITIONS FOR ENTRY
Individuals - members of the Trade Union of Public Education and Science Workers of the Russian Federation, who have reached the age of 16, who are employees or students in educational institutions of the city of St.Moscow, recognizing the Charter and internal regulations cooperative.
Entry order:
1. Submit an application for admission to the shareholder of the CCCG "KSU" (on the letterhead of the cooperative).
2. Provide a passport (a photocopy is made in the cooperative).
3. Provide a certificate of assignment to the taxpayer of the TIN (a photocopy is made in the cooperative).
4. Provide a certificate of employment (on the official letterhead of the institution indicating the position).
5. Provide a certificate from the chairman of the primary trade union organization, confirming membership in the trade union.
6. Make an entrance fee - 500 rubles (the fee goes to the development of the cooperative).
7. Make a mandatory share contribution - 1000 rubles (the contribution is the property of the shareholder, when leaving the cooperative upon personal application, the contribution is returned).
8. Make an insurance premium - 200 rubles (the contribution goes to the formation of an insurance fund).
9. Contribute membership fee- 50 rubles per month (minimum for two months).
Persons who do not have permanent registration in Moscow must 10.
submit a petition from the administration and the trade union organization from the place of work.
Membership in a credit cooperative arises on the basis of a decision of the Board of the CCCG "KSU" from the date of making the corresponding entry in the register of members of the cooperative.
A member of a credit cooperative is issued a membership book confirming his membership in the CCC "KSU".
HOW TO GET A LOAN
Members of the cooperative have the right to receive two types of loans from the Fund for Mutual Financial Assistance of the cooperative: social and consumer.Social loan is issued for treatment (including sanatorium-resort), improvement living conditions, training, weddings, funerals, birth of children and grandchildren, anniversaries at 12% per annum. The type of loan specified in the application must be supported by relevant documents.
A consumer loan is issued for purposes not related to social loans at 15% per annum.
A newly joined member of the cooperative can receive a loan no earlier than three months after joining the KCU "KSU" and in the amount of not more than 50 thousand rubles.
The collateral amount at the time of obtaining the first loan must be at least 5% of the amount of the requested loan.
Loan amount: from 20,000 to 200,000 thousand rubles.
Term: from 6 to 28 months.
The amount of the loan depends on the amount of the share contribution of a member of the cooperative.
The collateral amount is determined in the amount of the following ratio for the loan in the amount:
loans up to 150 thousand rubles - 20%;
loans from 151 thousand rubles to 200 thousand rubles - 25%.
At the time of the loan security deposit should be on personal account member of the cooperative.
When providing trust loans in excess of 100 thousand rubles, a credit cooperative has the right to demand a guarantee from other members of the cooperative or a petition from the employer and the primary trade union organization. In this case, the received loan is considered joint. The persons participating in the joint loan bear the same responsibility for its return and making earmarked contributions for the use of funds from the Fund for Mutual Financial Assistance of the KSU KSU.
EXAMPLE:
Estimated repayment schedule of the "social" loan
– – –
At the end of the term, in addition to the principal amount of the debt, you pay only 2,750 rubles, which is only 5.5%.
Estimated repayment schedule for the "consumer" loan
– – –
At the end of the term, in addition to the principal amount of the debt, you pay only 3,440 rubles, which is only 6.9%.
Early repayment: on any working day, in any amount, without penalties.
HOW TO PLACE PERSONAL SAVINGS
Personal savings are accepted only from members-shareholders of the CCC "KSU".The conditions and procedure for attracting funds from members of the cooperative are based on the principles: voluntariness, urgency, payment and repayment.
The contributor grants the right to the cooperative to use the funds in accordance with the Charter of the cooperative to form the Mutual Financial Assistance Fund with its subsequent use for the statutory purposes of the KCU KSU.
The shareholder of KPKG "KSU" has the right to transfer credit cooperative cash under a personal savings transfer agreement in the amount of 5,000 to 200,000 thousand rubles. The contract is concluded on the condition of the return of funds after one year and one day with the payment of targeted compensation in the amount of 15% per annum (in rubles). In case of early termination of the contract for the transfer of personal savings at the initiative of the depositor, but not earlier than after one month, the cooperative returns to him the amount of transferred funds with the payment of target compensation in the amount of 0.5% per annum.
Since any income of citizens of the Russian Federation is subject to personal income tax, the cooperative is obliged to withhold tax from you and transfer it to the budget.
According to federal law dated July 27, 2010 No. 207-FZ “On Amendments to Chapter 23 of Part Two tax code Russian Federation”, income received under a personal savings transfer agreement (loan agreement) is not taxed, if the annual interest rate under such an agreement does not exceed the value of the “refinancing rate of the Central Bank of the Russian Federation + 5%”. And only from the excess of the annual interest rate over the value of "refinancing rate of the Central Bank of the Russian Federation + 5%"
tax is charged at a rate of 35%. With a change in the refinancing rate, the non-taxable part of income will change.
For example:
The shareholder transferred cash savings under interest rate 15% per annum.
The refinancing rate of the Central Bank of the Russian Federation at the time of income calculation is 8.25% per annum.
The tax-free rate will be as follows: 8.25% + 5% = 13.25% per annum.
The taxable rate will be as follows: 15% - 13.25%=1.75% per annum.
After taxation, the real income of a shareholder will be 14.39%
For the last hundred years, in the Moscow education system and in the education system of the Russian Federation, there has been only one really mass social organization protecting the interests of employees and students. The All-Russian Trade Union of Education unites in its ranks about 5 million teachers, university professors, workers of preschool educational institutions, institutions of additional education, students of universities and colleges. In Moscow, more than 388 thousand people are members of our trade union.
The main function of the trade union is to represent the interests of workers, primarily in the field of wages. Assistance in drawing up a collective agreement, advice to the chairmen of trade union organizations in the course of labor disputes, representation of the interests of trade union members in court is a direct responsibility of the legal inspectorate of the Moscow City Trade Union Organization.
Public control over the observance of this right of workers to safe working conditions is carried out by trade union representatives. Our technical labor inspectorate participates in the investigation of accidents at work, assists employees in the preparation of documents for compensation and benefits. We insure all members of the trade union in case of an industrial injury resulting in disability.
Under the Moscow city organization of the trade union, there is the Credit Union of Teachers, whose members have the opportunity to receive loans for treatment, recreation, study, and consumer needs.
Our summer vacation programs for students, educators and their children are very popular.
We also implement social programs in the field of voluntary health insurance, non-state pension insurance, we are developing a trade union discount card program.
The trade union participates in the organization of professional pedagogical competitions "Teacher of the Year", "The Coolest Class", "Young University Teacher", and also arranges its own: "Teacher's Salsa", the festival of amateur art of teachers "Rainbow", "Pedagogical Start".
An important direction of the work of the trade union is the organization of training of trade union activists and young teachers of the capital.
Thus, a trade union is an organization that helps a teacher of any age, at all stages of his professional life. Therefore, we have been working for so many years and look to the future with great optimism.
Chairman of the Moscow City Organization of the All-Russian Trade Union of Education
M.A. Ivanova
Moscow City Organization of the All-Russian Trade Union of Public Education and Science Workers of the Russian Federation
Contacts:
129010, Moscow, Protopopovsky lane, 25
Tel. 8 495 688 57 74; fax 8 495 688 57 74
