Resumen

JOUBERT, Fame et al. A perspective on Orania's OSC Co-operative Bank Limited. Tydskr. geesteswet. [online]. 2022, vol.62, n.4, pp.812-829. ISSN 2224-7912.  http://dx.doi.org/10.17159/2224-7912/2022/v62n4a11.

In the mobilisation of savings, banks play an important role in channelling investments, but also in improving the standard of living of the population or communities served by these institutions. The channelling of savings to investment stimulates the investment multiplier, which shows the total impact on the economy as a result of increased investment. An analysis of the lending activities of banks shows that these institutions face both liquidity and solvency risks. To avoid these risks, it is important for banks to lend funds to borrowers at appropriate rates that correctly reflect the riskiness of lending activities. Against this background, this article draws specific attention to the role that co-operative banks and co-operative financial institutions play in the South African economy, by focusing on Orania's OSC Co-operative Bank Limited (OSC), the largest co-operative bank in South Africa. The paper considers the origin and expansion of the OSC's lending practices and its role in encouraging investment in the community served by the bank. The main research finding is that the OSC has had a significant positive influence on Orania's economic development. The recommendation from this research is that the OSC can serve as an example for other co-operative banks and co-operative financial institutions to implement similar practices in order to support the communities in which they operate.

Palabras clave : banks; financial intermediaries; co-operative banks; money supply; credit extension; Orania; OSC Co-operative Bank Limited (OSC); ora.

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