Posts Tagged International Credit Union Day

Free Resources Your Credit Union Can Use for International Credit Union Day

Posted by on Thursday, 20 October, 2011

Happy International Credit Union Day to one and all!2011 ICU Day

As we’ve mentioned here, here, and here ICU Day is celebrated across the globe throughout the credit union community and is a great way to promote the credit union difference, especially in today’s economic climate. To help celebrate, we thought it would be a good idea to highlight ICU Day resources to help your credit union share the message.

Feel free to select some or all of these and share with your members and staff via Twitter, Facebook, email and even on your credit union’s website! And don’t forget to leave a comment about how your credit union is using these resources or other ways you are celebrating International Credit Union Day.

Cheney video for CU staff

We shared the video message from CUNA’s CEO Bill Cheney to credit union members the other day. Credit unions and CU organizations responded by posting the video on their websites and sharing with their members. Now we’d like to share Mr. Cheney’s ICU Day video greeting for credit union staff! Be sure to share this with your staff.








Young & Free videos

Young & Free spokesters from across North America created some awesome videos to help spread the word about International Credit Union Day. They set the following six credit union attributes to music:

  1. Membership is open to all
  2. Members call the shots
  3. Rates and fees should benefit members
  4. Credit unions are just as accessible as banks
  5. Financial education should be free and available to all
  6. Giving back to the community is a priority

How cool is that? The music videos include an orignal rap, a Lady Gaga tribute, and a sweet Journey-inspired tune:






















Article for your Baby Boomer members from Plan It

The credit union financial education site aimed at Boomers preparing for retirement has their own article covering International Credit Union Day. You can learn more about Plan It here. Be sure to check out the following example of a credit union using Plan It to share this positive message with their members:








The Disclosures music video: Building a Better World

Our friends Christopher Morris and Chad Helminak of The Disclosures pay tribute to International Credit Union Day with their song and music video Building a Better World. What’s really cool is that The Disclosures recruited credit union employees from across the nation to supply video clips of credit union people singing portions of the song!

The band is encouraging credit unions and friends of credit unions to share the song to raise awareness of the positive impact credit unions have around the world.








Article to share with your Gen Y members from MoneyMix

MoneyMix, the Gen Y personal finance site for credit unions, has an excellent article about International Credit Union Day. Subscribers have been sharing this article via Twitter. Check out the article here and don’t forget to learn more about MoneyMix here.








The International Credit Union Day Facebook page

Have you visited or “liked” the International Credit Union Day Facebook page? If not, you should! You’ll get updates about ICU Day from WOCCU, CUNA, and other credit union organizations you can share with your members through Facebook, Twitter, on your credit union website, or through email!




Member-focused Video from CUNA CEO Bill Cheney Promotes International Credit Union Day

Posted by on Wednesday, 12 October, 2011

Madison, Wis. (October 12, 2011) – CUNA announced today the release of a video from its President and CEO, Bill Cheney, in which he urges members to be part of building a better world by celebrating International Credit Union (ICU) Day on October 20, 2011.

Credit unions are invited to share this member-focused video on their websites and distribute it in other online communications to members.  For instructions on how to feature this video on your website, see below.

“For over 75 years, our philosophy in the credit union movement has been ‘people helping people.’  That is not just a catchphrase; it is what credit unions do,” explains Cheney in the video.  As a member, he adds, “your credit union pools your resources to build better communities and strengthen your financial well-being.”

Cheney goes on to highlight the important economic and social contributions credit unions, and their 93 million members, make to their local and global communities.

Cheney adds that this ICU Day will lead into the year-long 2012 International Year of the Cooperatives. On October 31, credit unions will join cooperatives from all sectors of the economy will begin celebrating the positive impact cooperatives have in reducing poverty, creating jobs and promoting social integration throughout the world.

Here’s how you can share this video with your members:

With so many reasons to celebrate, credit unions are hosting ICU Day events across the country.  For ICU Day celebration ideas, visit  For other questions about ICU Day, please contact Joanne Sepich at (800) 356-9655, ext. 4867.



Newly Released ICU Day Song Celebrates the Cooperative Nature of Credit Unions

Posted by on Thursday, 6 October, 2011

Madison, Wis. (October 6, 2011) — The credit union music duo, The Disclosures, has released a free song and music video for International Credit Union Day (October 20, 2011) called “Building a Better World,” which pays homage to this year’s celebration theme.  The band encourages credit unions to use the song and video to raise awareness of the positive impact credit unions continue to make around the world.

“The timing couldn’t be better,” says Joanne Sepich, CUNA’s ICU Day coordinator.  “Bank fees have consumers looking for a better option.  ‘Building a Better World’ absolutely captures the credit union and cooperative difference.”

“Our music has always focused on finding new ways to share the credit union message,” said Disclosures band member Chad Helminak.  “With ‘Building a Better World’, we decided to take it one step further and invite credit union folks to have some fun and help demonstrate our cooperative nature.”

The Disclosures put out a casting call to credit unions to provide video clips, which would eventually become the entirety of the music video.  In addition to the submissions, the band also filmed credit union people singing a few of the segments.  More than 40 credit unions and supporting organizations make cameos in the video, which include credit union staff lip-synching lyrics, performing air-guitar with hockey sticks and even dancing with mascots.

“We’re truly amazed at the response and support we received for this project so far, and we’re truly thankful for credit unions’ participation,” says Disclosure member Christopher Morris.  “Credit unions’ ‘personability’ usually shines through their member and community service, but now you can see it also holds true for music videos.”

The song and lyrics can found on The Disclosures website (  The song is free to download.

The video can been viewed at  Credit unions are encouraged to distribute and share the video on their websites and in other online communications.

As part of the video collection process, The Disclosures also randomly selected a video submission to receive a signed copy of their CD “(Hey, We’re) The Disclosures”.  The winner was Doug MacMillan from State Employees Credit Union in North Carolina.

The Disclosures are an acoustic thrift-rock duo based in Madison, Wisconsin, comprised of Chad Helminak (guitar, vocals, harmonica) and Christopher Morris (guitar, vocals, keys).  They perform classic rock n’ roll covers in addition to their original tunes that delve into topics of life, love, and the cooperative spirit. Visit for more information.

For more ideas that will get your staff and members excited about celebrating ICU Day, visit  For other questions about ICU Day, please contact Joanne Sepich at (800) 356-9655, ext. 4867.


International Credit Union Day – How Will You Celebrate? [CONTEST]

Posted by on Thursday, 29 September, 2011

2011 ICU DayThe third Thursday every October has marked International Credit Union Day each year since 1948. On this day, credit unions around the world celebrate their impact locally and abroad as not-for-profit financial cooperatives.

Why do they do this? Because credit unions from Philadelphia to the Philippines participate in a global financial cooperative movement with a unique structure and shared principles. With these, credit unions have the power to change people’s lives and are set apart from all other financial institutions.

It’s important for credit unions to celebrate this credit union difference during International Credit Union Day, especially during the current economic climate. Doing so reaffirms the positive impact of people helping people and introduces why credit unions are different from other financial institutions to those unfamiliar.

Service 1st Federal Credit Union in Danville, PA

Service 1st Federal Credit Union in Danville, PA planned a full week of community service projects to celebrate 2010’s International Credit Union Week.

CUNA is proud to promote International Credit Union Day and support credit union celebrations–both large and small–across the United States. There are many examples of how credit unions have shared this event with their members and their community and dozens of ideas for how to host your own celebration.

For example, a recent News Now article highlighted the 2011 plans for South Dakota’s East River FCU and Stage Employees FCU in Las Vegas.

Stage Employees FCU members service representative Colleen Hermann shared in the article how even a tight budget won’t stop her credit union from using signage and small giveaways to tie her credit union to the larger cooperative celebration.

Mechelle Johnson, President/CEO of East River FCU explained in the article how they plan to use International Credit Union Day as an opportunity to thank members with a shred-it day and an open house, communicate the credit union difference with activity books and t-shirt giveaways, and help their community through a canned food drive.

We want to know: how does your credit union plan to celebrate?

Share your celebration plans by September 30 by either commenting on this post, posting to the ICU Day Facebook page or send your plans to and you’ll be entered to win a free ICU Day Celebration kit, a $198 value! Remember to include copies of promotional materials and photos of decorations and staff in their ICU Day finest.

Celebration Kit Includes:


ICU Day 2011 promo materials



  • Large posters (5) to decorate the branch
  • Stuffer/brochures (500) to explain the credit union difference and introduce 2012 as the International Year of Cooperatives (IYC)
  • Skittles (1 case of 250 packets) to treat members on Oct. 20
  • Tattoos (1 bundle of 200) to reward young ones making deposits during Oct. and the 2012 IYC

The winner will be announced Oct. 4 on Facebook and Oct. 5 in the free ICU Day Update e-newsletter (sign up today)

If you’ve already shared your plans…GREAT! Then you’re already entered.

Thank you for helping to show credit union members around the country how credit unions build a better world!

United Nations’ International Year of Cooperatives: Why Embrace this Opportunity? Part 2

Posted by on Tuesday, 8 February, 2011

In this, the second part of a two-part series, Sarah Arthurs’ outlines her ideas for how the credit unions and cooperatives can make the most of the United Nations’ declaration of 2012 as the International Year of Cooperatives. Please read the first post describing her thoughts on the opportunity presented in 2012.

To support this process I would like to offer some ideas for the consideration of the cooperative and credit union community.

Under 40 Friendly

Whatever we do, we need to make it under-forty friendly (at least! Probably under-twenty would be better!)  Our initiatives need to be in the social currency of the next generation.

  • We need to use social media such as FacebookTwitter and other digital media I don’t even know about because I am over 40.
  • We need to use the reality show model (e.g., Dragon’s Den) to engage new members, to encourage new cooperative ventures and tell our story. Of course this would need to be done with a cooperative twist where everyone is treated with respect and all participants get value from their participation.
  • Our initiatives need to be inclusive and participatory… perhaps with voting opportunities for the public.
  • We need celebrity participation.  We live in a culture where celebrities often lend credibility to and fuel social change initiatives. For Canadians how about Rick Mercer as a spokesman for our year? He did a great job with the One Ton Challenge.
  • It needs to be fun.  This is often accomplished by linking social change initiatives with sports, music or the arts.  We could have a bike tour across the U.S. or Canada with participation by co-op and credit union members.  We could have “Coopapaloooza’s” – music festivals with a message.

Legacy projects

As we think about “legacy projects” let’s broaden our thinking beyond books and investment funds . . . of course intellectual and financial capital of all kinds is important.  Equally important and a strength of the cooperative movement is our ability to create and leverage social capital—the relationships between people and the connections across organizations.

A bias toward mutually-supportive interactions is built into the structure of our organizations with the democratic model of member-owned credit unions, worker-owned cooperatives and social co-ops.  The events and initiatives of the International Year of Cooperatives need to create opportunities for the further development of social capital.

The legacy of 2012 can be new collaborative relationships between organizations fueled by trust, similar values, shared accomplishments and mutual appreciation.  In other words let’s do innovative projects with new partners so part of the legacy of 2012 is increased social capital within the cooperative community.

Local Autonomy

One of the guiding principles of the cooperative movement is local autonomy.  Our uniqueness is rooted to some degree in a structure which has tried to keep decision-making power and responsibility within its geographic location and as close to its member-owners as possible.

Co-ops and credit unions have often grown out of a group of neighbors who recognize a common challenge or opportunity.  These neighbors gather and generate a synergistic response using the cooperative structures.  The cooperative structure lends itself to bottom-up rather than top-down leadership.

The co-op movement is filled with engaged participants including directors, member-owners, CEOs and employees with a sense of ownership for their organization and the capacity to be leaders.  This leadership capacity has often been developed through their training and experience in the cooperative world.

In taking advantage of the United Nations 2012 International Year of Cooperatives it would be a huge loss not to use processes which give lots of freedom, permission, and support and indeed are dependant on as much local grassroots involvement as possible.

What if each city or rural area had a steering group of representatives from local co-ops, credit unions or utility coops  brainstorming how they can use this opportunity?

In Canada there could also be a steering committee with representation from provincial organizations.  In Alberta this could include Alberta Central and SACHA, among others.  And at the national level, The Canadian Cooperative Association has a committee with representatives from Cooperative organizations like The Cooperators and Mountain Equipment Co-op.

If credit unions and cooperatives are in a passive mode waiting for others to act, their leadership will not be awake to considering the opportunities afforded by the International Year of Cooperatives.

Those organizations and leaders will be given the space to own this opportunity creatively, releasing the energy and possibility inherent in the International Year of Cooperatives if they are challenged with questions such as:

  • How can the United Nations International Year of Cooperatives help your organization meet its strategic goals?
  • How would you like to take advantage of this opportunity?
  • Who would you like to work with?
  • What are your first steps?

It is time to change our BKS rating! We have a story to share. The story of a model which is democratic, local and sustainable . . . a story which the world needs to hear now!

Sarah Arthurs M.Ed., C.Psych. is Director, First Calgary Savings; Director, Credit Union Central of Alberta; and a member of the Prairie Sky Co-housing Co-op.  Send Sarah an e-mail at sarah.arthurs[at]

United Nations’ International Year of Cooperatives: Why embrace this opportunity? Part 1

Posted by on Tuesday, 11 January, 2011

The United Nations has declared 2012 the International Year of Cooperatives

The United Nations has declared 2012 the International Year of Cooperatives

This is the first in a two-part series from Sarah Arthurs, Canadian credit union and cooperative professional. Look for her second post in the coming days which outlines Sarah’s ideas on how the credit union and cooperative community can make the most of the International Year of Cooperatives.

Over the past two years I have had the huge privilege of attending a number of credit union and cooperative conferences where we received the wisdom of world renowned leaders from outside of the cooperative world.  The recurring themes from these leaders were:

Where have you been all my life? Why haven’t I heard of you before?

As part of their preparation to address the Canadian Cooperative Congress or the World Credit Union Conference they had researched co-ops and credit unions and were blown away by the history, integrity and capacity of the cooperative model.  They say:

This is good news! Why is it not out there?

Well, as a psychologist, I have indulged myself in the consideration of this question.  I have frequently posed it to my credit union colleagues in formal and informal groups. Why aren’t we more out there?  Some suggested explanations include:

  • We are ambivalent about our cooperative identity.  We are afraid it might make us look “Mickey Mouse”, not in the same league as other financial institutions. We are concerned that folk will be turned off by non-mainstream elements.
  • We don’t have the shareholder imperative to maximize the bottom line through rigorously promoting our brand or products.
  • By virtue of the nature of cooperative ventures, we attract people who are team players and not self-promoters, so we are less likely to blow our own horn.
  • Our energy is going into doing the work, not talking about it; so we continue to operate under the radar.

Whatever the cause we continue with our BKS rating—Best Kept Secret!

But now, with the United Nations declaring 2012 the International Year of Cooperatives, we have been given permission—indeed we are encouraged—to blow our horn and tell our story.  We are challenged to share the scope and potential of the cooperative model with our neighbors, colleagues as well as with other businesses and institutions.

This is a unique and time-limited opportunity which would assist cooperatives of all kinds in Canada, the United States and throughout the world to advance their cause.  It would allow us:

  • to reach out to a younger demographic;
  • to create legacy projects of all kinds;
  • to raise our profile locally, nationally and internationally;
  • to empower local partnerships and inspire new collaborations.

More to come in Sarah’s next post, including several ideas for how the cooperative and credit union community can share their story with the world.

Sarah Arthurs M.Ed., C.Psych. is Director, First Calgary Savings; Director, Credit Union Central of Alberta; and a member of the Prairie Sky Co-housing Co-op.  Send Sarah an e-mail at sarah.arthurs[at]

Happy International Credit Union Day & a message from CUNA Pres/CEO Bill Cheney

Posted by on Thursday, 21 October, 2010

Credit unions in Peru reach out to rural areas to provide financial services to unserved residents. Thanks to for the image.

Happy International Credit Union Day everyone!

It’s a day to celebrate our accomplishments and help raise awareness about how credit unions impact the lives of 186 million people in 97 countries.  Check out my post here on why it’s important we recognize International Credit Union Day each and every year. And don’t forget to check out ICU Day and CUNAverse on Facebook!

For this year’s celebration CUNA President and CEO Bill Cheney has issued this  special greeting for the entire movement:


Best wishes to everyone nationwide celebrating today, International Credit Union Day!

This year’s theme of “Local, trusted, serving you” perfectly captures what makes credit unions so appealing to consumers across the nation and around the globe. Here in the U.S., the 90-million-plus Americans who are credit union members have an advantage over all other consumers in our nation: They experience, first-hand, the benefits of receiving financial services from member-owned, cooperative financial institutions – which practice a philosophy of putting people before profits.

In fact, in doing so, members and their families realize substantial, direct financial benefits: More than $7.5 billion this year alone from favorable rates and lower fees as a result of using credit unions rather than other financial institutions.

That breaks down to an average of $84 for each credit union member or $159 for each member household. Because credit unions are member-owned, this savings stays right in local communities. It is no wonder, then, that survey after survey shows consumers trust credit unions to look out for their best interests more than any other type of financial institution.

Our goal, as committed credit union supporters, should be to ensure that ALL Americans have the opportunity to realize these benefits through a simple, effective path to membership.

Best regards to you and your colleagues on this International Credit Union Day.

Share this today with your credit union members, fellow credit union colleagues, and your friends as we celebrate International Credit Union Day and raise awareness about the impact of credit unions across the globe!

We want to hear from you! How are you celebrating International Credit Union Day? Post a comment with your stories and pics.

Why Celebrate International Credit Union Day?

Posted by on Thursday, 9 September, 2010

International Credit Union Day is on the horizon (October 21, 2010). Credit unions who celebrate with posters or events help raise awareness about how credit unions impact the lives of 186 million people in 97 countries.

While those numbers are impressive, there are still so many around the world without access to basic financial services. They are subjected to loan sharks, hiding their life savings in mattresses, or taking long and dangerous trips just to visit the nearest financial institution.

That’s why the work of World Council of Credit Unions (WOCCU) is so important. Part of WOCCU’s role is to empower people across the globe with access to financial services through promoting the sustainable development of credit unions and financial cooperatives.

It’s also one of the most important reasons for celebrating International Credit Union Day; to raise awareness about how credit union principles truly change people’s lives. Promoting the world-wide impact of credit unions creates new and unique opportunities for the Credit Union Movement as well as for individual credit unions.

For example, learning about credit unions’ international impact is a major reason I’ve worked for credit unions these past 7 years. One story that has stuck with me was of Lois Kitsch‘s experience with a newly formed credit union in a remote area of the world during her time with WOCCU. (As I paraphrase Lois’ story, I hope I do it justice.)

ICU Day is also a great time to look back on how CUs came to be. Click above for a graphic history from CUNA's MoneyMix

As I recall, a small loan from the newly formed credit union–something like $10–enabled a woman to purchase a tarp. The woman prepared and sold food to villagers to earn a living. But when the rainy season hit, she was unable to prepare food because the rain extinguished her fire. This left the woman unable to earn money until the rainy season had subsided.

Acquiring the tarp allowed her to protect her food preparation from the rain and she was able to earn a living throughout the year. As a result, the woman was then empowered to expand her business and provide a laundry service.

She was able to improve the quality of life for her family as well as her community… and all it took was a $10 loan.

Pretty incredible, eh? I certainly thought so. Lois’ experience demonstrates the power credit unions can have and it left me feeling like I needed to get more involved with the Movement.

So, what was the most successful International Credit Union Day celebration for your credit union? How will your credit union celebrate it this year and raise awareness about how credit unions change lives?

On the Road with NCBA: Reflections on Mozambique

Posted by on Tuesday, 17 August, 2010

Andrew McLeod

From Andrew McLeod, communications specialist for the National Cooperative Business Association (NCBA). Learn more about him and his trip to Mozambique here in his first CUNAverse post. 

My big trip is over. And although I’ve had a long weekend (and a very long flight) to digest what I’ve seen in Mozambique, I know that I’m only beginning to grasp the work being done there by NCBA’s CLUSA International program

After all, how can I hope to summarize something that has been developing for 15 years, and which now employs several hundred people? I spent less than a week there. While I think I grasp the program’s significance, I am humbled by the challenge of describing it. 

I’m reminded of a trip I took last fall to visit Mondragon, the massive Basque system of worker cooperatives that now employs well over 100,000 people and is one of Spain’s largest enterprises. At the time, I wrote, “Trying to understand Mondragon is like trying to understand Belgium or something; really you can only begin to do it by living there for a year or three.” 

I’m not saying that CLUSA’s work in Mozambique is as significant as Mondragon, but I do believe it is close to that: More than 80,000 farmers have better access to resources and markets, and there are promising signs that CLUSA’s work has contributed to the creation of what may be a sustainable development model for Africa and the world. 

And by “the world” I do mean to include the United States. 

Shortly before I went to Mozambique, I had a chance to speak with Papa Sene, a longtime CLUSA staffer now based in Ghana and serving as CLUSA’s overall coordinator for Africa. He talked of a “CLUSA methodology” that is based on providing questions rather than answers, and focusing on what people have rather than what they need. I’ve done enough co-op development in the United States to instantly see these insights as tools I could have used. 

Mozambique’s struggles are obviously more intense than ours in the U.S., but we are more alike than different: Farmers struggle to sell their crops and watch their kids move into overcrowded and expensive cities. The poor are denied access to credit or charged usurious rates (although at least Mozambique seems to have avoided the scourge of payday lenders). Cheap imports and corporate dominance distort the economy and prevent the creation of vibrant local markets. And – I have to add – co-ops sometimes miss opportunities to support each other through the principle of cooperation among cooperatives. 

Similarly, Mozambique’s solutions look much like ours, as people who are excluded from economic opportunities help each other out. Farmers benefit from pooling to purchase inputs and market produce. Financial co-ops provide credit and control to members. Young people take an interest in farming once they are shown a way it can actually work. Ideas are percolating about how to build on past successes and create linkages to support a vibrant cooperative movement. 

As I described in last week’s posts, there are lots of reasons for hope in Mozambique, despite its underdevelopment and poverty. Not only is CLUSA making progress toward addressing immediate economic needs; it is helping to mentor an independent and self-generating cooperative movement. This is essential, because once Mozambique is up and running CLUSA would be able to shift its attention to another target, applying the lessons learned. Even more intriguing, Mozambican cooperators would be able to do the same thing, perhaps with their neighbors in Zimbabwe. 

The most tantalizing part of CLUSA Mozambique is the extent to which its work is building local capacity. I can’t overemphasize the importance of that piece: One of the most challenging things about cooperative-based economic development is that it is not possible to give people a co-op. They have to want it and build it themselves. CLUSA hasn’t answered all the questions around this key challenge, but its work is an important contribution to the ongoing study of how cooperative development can be extended. 

Can we move from the level of helping start individual co-ops, to helping start co-op associations, to actually helping start entire national cooperative movements? I’m not certain this can be done, but I think that Mozambique is a key place to look for answers. 


I’m grateful for the opportunity to take this trip, and want to thank everyone who made it possible – both the staff in our D.C. office and especially the folks in Mozambique – without your work I wouldn’t have had much to report! I also want to thank CUNAverse for the chance to blog about the experience so its readers can hopefully gain something useful from my little adventure. This gave me a good opportunity (and discipline) to record my thoughts regularly, which will be instrumental in the next phase of writing a report for the next issue of the Cooperative Business Journal. Finally, thanks to everyone who read and commented. 


Read previous “On the Road with NCBA” posts: 

  1. On the Road with NCBA: Meet Andrew
  2. On the Road with NCBA: View from the Center (of Mozambique)
  3. On the Road with NCBA: View from the Outskirts
  4. On the Road with NCBA: Strength in Numbers
  5. On the Road with NCBA: Cooperation, Women and Youth

On the Road with NCBA: Cooperation, Women and Youth

Posted by on Monday, 16 August, 2010

The Caixa das Mulhere de Nampula has a small office and a big impact on its members lives.

From Andrew McLeod, communications specialist for the National Cooperative Business Association (NCBA). Learn more about him and his trip to Mozambique here in his first CUNAverse post.

Note: this post was delayed by a general telecommunications outage. No phones, no internet, no nothing. The lights are on.

Mozambique needs general economic growth. But that growth needs to be as broadly distributed as possible to have the maximum impact on quality of life. So we must pay attention to how development engages with the needs of women and young people, who are sometimes excluded from economic growth.

Today I met with two groups that are focused on these issues: a women’s savings cooperative, or caixa, and the organizers of more than 100 agricultural youth clubs.

Caixa is a Portuguese word corresponding to the Spanish caja and the French caisse. It literally means “case” or “box” and has a distinctly cooperative meaning in this context: All members put their money in the same container.

My meeting turned out to be with eight leaders from both governance and management, which was rather startling. Caixa das Mulheres de Nampula is a caixa for women in Nampula, a city of about a half-million that is also home to the national office of NCBA’s CLUSA International program.

The caixa’s nearly 2500 members have collectively saved over $215,000, and currently have more than $81,000 in outstanding loans. For perspective, Mozambican GDP per capita is $933, one of the lowest in the world.

Caixa Mulheres was started in 1994 as a rural women’s organization. They gave shared loans then to support women’s farming groups. The caixa’s focus shifted as members moved to town and urban interest spread. Now loans are now only granted to individuals.

The Mozambican business context seems to be more based on independent ownership. Even farmer associations are geared toward strengthening individual farmers, and there have been few if any urban examples of formal collaboration among urban entrepreneurs. I heard no sign of the concept of a worker co-op in our discussion.

Around 2002 the name was changed and rural members were encouraged to join other caixas, which are organized into a network of 45 caixas in more than half of Nampula province’s districts. Those caixas collectively have more than 11,000 members –women and men – with $675,000 in outstanding loans. Some other provinces have caixas, but my source at the network told me that specifically rural groups are rare. These groups have generally decided not to become cooperatives, preferring to focus on microfinance.

However, Caixa Mulheres is now working with CLUSA to become a modern co-op under the new law that CLUSA helped pass. They believe they have outgrown their current structure.

They are already thoroughly cooperative in practice. They have an annual general assembly, which is typically attended by 200-300 members. At this gathering, the members elect leaders to one-year terms on three bodies: In addition to the conseil de dirrecao (board of directors), they also directly elect a financial council and the “assembly table,” which is in charge of organizing and promoting the next general assembly. The general assembly even elects the officers of these bodies if I understood correctly, although I have a hard time picturing that process.

My second meeting was with two coordinators of youth clubs supported by CLUSA. Maria and Firoza each supervise the program in half of Nampula province’s 14 districts. The program, run through a multi-faceted USAID program called SCIP.

There are more than 3000 youths, aged 12 to 24, organized into 109 clubs. These are often linked with a farmer association that provides an advisor. Club members may join an association when they turn 18, but must then leave the youth club. The clubs teach conservation farming and association functions, as well as doing other activities like soccer and HIV education. Two members of each club are selected for doing more outreach, providing leadership development.

Each club farms a small common demonstration plot, usually about 100 square meters located near a school or other central location. The produce grown is sold at the local market, and profits are used to buy seeds for the next season.

Here is where it gets intriguing, at least to me: They are developing a process for selling produce to local schools and hospitals. I think it’s a pretty positive step to give youths a chance to feed their peers and those under medical care. It strikes me as a huge boost to self-esteem and a chance to tangibly tie education to the advancement of the whole community – community development through individual development.

Mozambique has the same essential problem as the United States. Family farm succession has broken down, so conscious efforts are needed to train and motivate young farmers. The consequences of this breakdown may be more pronounced in Mozambique, where hungry-looking kids roam around looking for odd jobs or handouts. But the same force can be seen in the U.S., where rural communities are collapsing and driving youths into cities.

I smell a potential youth exchange program.

One of the most inspiring parts of this trip has been discovering the common cause that is shared by Americans and Mozambicans. The details are certainly different, but I see shared themes of finding ways to cooperate and meet our needs. These needs are both individual – like entrepreneurs’ access to credit – and collective – like developing the next generation to keep society moving forward.

Maybe I’m stretching here, but that’s how I see it.