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artikel</span></a></li><li id="n-today" class="mw-list-item"><a href="/wiki/28_november"><span>Vandaag</span></a></li><li id="n-Etalage" class="mw-list-item"><a href="/wiki/Wikipedia:Etalage"><span>Etalage</span></a></li><li id="n-categories" class="mw-list-item"><a href="/wiki/Categorie:Alles"><span>Categorieën</span></a></li><li id="n-recentchanges" class="mw-list-item"><a href="/wiki/Speciaal:RecenteWijzigingen" title="Een lijst met recente wijzigingen in deze wiki. [r]" accesskey="r"><span>Recente wijzigingen</span></a></li><li id="n-newpages" class="mw-list-item"><a href="/wiki/Speciaal:NieuwePaginas"><span>Nieuwe artikelen</span></a></li><li id="n-randompage" class="mw-list-item"><a href="/wiki/Speciaal:Willekeurig" title="Een willekeurige pagina bekijken [x]" accesskey="x"><span>Willekeurige pagina</span></a></li> </ul> </div> </div> <div id="p-navigation2" class="vector-menu mw-portlet mw-portlet-navigation2" > <div class="vector-menu-heading"> Informatie </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-portal" class="mw-list-item"><a href="/wiki/Portaal:Gebruikersportaal" title="Informatie over het project: wat u kunt doen, waar u dingen kunt vinden"><span>Gebruikersportaal</span></a></li><li id="n-Snelcursus" class="mw-list-item"><a href="/wiki/Wikipedia:Snelcursus"><span>Snelcursus</span></a></li><li id="n-help" class="mw-list-item"><a href="/wiki/Portaal:Hulp_en_beheer" title="Hulpinformatie over deze wiki"><span>Hulp en contact</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> <a href="/wiki/Hoofdpagina" class="mw-logo"> <img class="mw-logo-icon" src="/static/images/icons/wikipedia.png" alt="" aria-hidden="true" height="50" width="50"> <span class="mw-logo-container skin-invert"> <img class="mw-logo-wordmark" alt="Wikipedia" src="/static/images/mobile/copyright/wikipedia-wordmark-en.svg" style="width: 7.5em; height: 1.125em;"> <img class="mw-logo-tagline" alt="de vrije encyclopedie" src="/static/images/mobile/copyright/wikipedia-tagline-nl.svg" width="120" height="13" style="width: 7.5em; height: 0.8125em;"> </span> </a> </div> <div class="vector-header-end"> <div id="p-search" role="search" class="vector-search-box-vue vector-search-box-collapses vector-search-box-show-thumbnail vector-search-box-auto-expand-width vector-search-box"> <a href="/wiki/Speciaal:Zoeken" class="cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only search-toggle" title="Doorzoek Wikipedia [f]" accesskey="f"><span class="vector-icon mw-ui-icon-search mw-ui-icon-wikimedia-search"></span> <span>Zoeken</span> </a> <div class="vector-typeahead-search-container"> <div class="cdx-typeahead-search cdx-typeahead-search--show-thumbnail cdx-typeahead-search--auto-expand-width"> <form action="/w/index.php" id="searchform" class="cdx-search-input cdx-search-input--has-end-button"> <div id="simpleSearch" class="cdx-search-input__input-wrapper" data-search-loc="header-moved"> <div class="cdx-text-input cdx-text-input--has-start-icon"> <input class="cdx-text-input__input" type="search" name="search" placeholder="Doorzoek Wikipedia" aria-label="Doorzoek Wikipedia" autocapitalize="sentences" title="Doorzoek Wikipedia [f]" accesskey="f" id="searchInput" > <span class="cdx-text-input__icon cdx-text-input__start-icon"></span> </div> <input type="hidden" name="title" value="Speciaal:Zoeken"> </div> <button class="cdx-button cdx-search-input__end-button">Zoeken</button> </form> </div> </div> </div> <nav class="vector-user-links vector-user-links-wide" aria-label="Persoonlijke hulpmiddelen"> <div class="vector-user-links-main"> <div id="p-vector-user-menu-preferences" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-userpage" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <nav class="vector-appearance-landmark" aria-label="Uiterlijk"> <div id="vector-appearance-dropdown" class="vector-dropdown " title="De lettergrootte, breedte en kleur van de pagina wijzigen" > <input type="checkbox" id="vector-appearance-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-appearance-dropdown" class="vector-dropdown-checkbox " aria-label="Uiterlijk" > <label id="vector-appearance-dropdown-label" for="vector-appearance-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-appearance mw-ui-icon-wikimedia-appearance"></span> <span class="vector-dropdown-label-text">Uiterlijk</span> </label> <div class="vector-dropdown-content"> <div id="vector-appearance-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <div id="p-vector-user-menu-notifications" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-overflow" class="vector-menu mw-portlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="//donate.wikimedia.org/wiki/Special:FundraiserRedirector?utm_source=donate&utm_medium=sidebar&utm_campaign=C13_nl.wikipedia.org&uselang=nl" class=""><span>Doneren</span></a> </li> <li id="pt-createaccount-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Speciaal:GebruikerAanmaken&returnto=Kredietunie" title="Registreer u vooral en meld u aan. Dit is echter niet verplicht." class=""><span>Account aanmaken</span></a> </li> <li id="pt-login-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=Speciaal:Aanmelden&returnto=Kredietunie" title="U wordt van harte uitgenodigd om aan te melden, maar dit is niet verplicht [o]" accesskey="o" class=""><span>Aanmelden</span></a> </li> </ul> </div> </div> </div> <div id="vector-user-links-dropdown" class="vector-dropdown vector-user-menu vector-button-flush-right vector-user-menu-logged-out" title="Meer opties" > <input type="checkbox" id="vector-user-links-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-user-links-dropdown" class="vector-dropdown-checkbox " aria-label="Persoonlijke hulpmiddelen" > <label id="vector-user-links-dropdown-label" for="vector-user-links-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-ellipsis mw-ui-icon-wikimedia-ellipsis"></span> <span class="vector-dropdown-label-text">Persoonlijke hulpmiddelen</span> </label> <div class="vector-dropdown-content"> <div id="p-personal" class="vector-menu mw-portlet mw-portlet-personal user-links-collapsible-item" title="Gebruikersmenu" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport" class="user-links-collapsible-item mw-list-item"><a href="//donate.wikimedia.org/wiki/Special:FundraiserRedirector?utm_source=donate&utm_medium=sidebar&utm_campaign=C13_nl.wikipedia.org&uselang=nl"><span>Doneren</span></a></li><li id="pt-createaccount" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Speciaal:GebruikerAanmaken&returnto=Kredietunie" title="Registreer u vooral en meld u aan. Dit is echter niet verplicht."><span class="vector-icon mw-ui-icon-userAdd mw-ui-icon-wikimedia-userAdd"></span> <span>Account aanmaken</span></a></li><li id="pt-login" class="user-links-collapsible-item mw-list-item"><a href="/w/index.php?title=Speciaal:Aanmelden&returnto=Kredietunie" title="U wordt van harte uitgenodigd om aan te melden, maar dit is niet verplicht [o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Aanmelden</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Pagina's voor uitgelogde redacteuren <a href="/wiki/Help:Inleiding" aria-label="Meer leren over bewerken"><span>meer lezen</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/Speciaal:MijnBijdragen" title="Bijdragen IP-adres [y]" accesskey="y"><span>Bijdragen</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/Speciaal:MijnOverleg" title="Overlegpagina van de anonieme gebruiker van dit IP-adres [n]" accesskey="n"><span>Overleg</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Site"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="Inhoud" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">Inhoud</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">naar zijbalk verplaatsen</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">verbergen</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">Top</div> </a> </li> <li id="toc-Nederland" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Nederland"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>Nederland</span> </div> </a> <button aria-controls="toc-Nederland-sublist" class="cdx-button cdx-button--weight-quiet cdx-button--icon-only vector-toc-toggle"> <span class="vector-icon mw-ui-icon-wikimedia-expand"></span> <span>Nederland-subkopje inklappen</span> </button> <ul id="toc-Nederland-sublist" class="vector-toc-list"> <li id="toc-Initiatief" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Initiatief"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.1</span> <span>Initiatief</span> </div> </a> <ul id="toc-Initiatief-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Wettelijke_grondslag" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Wettelijke_grondslag"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.2</span> <span>Wettelijke grondslag</span> </div> </a> <ul id="toc-Wettelijke_grondslag-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Werking" class="vector-toc-list-item vector-toc-level-2"> <a class="vector-toc-link" href="#Werking"> <div class="vector-toc-text"> <span class="vector-toc-numb">1.3</span> <span>Werking</span> </div> </a> <ul id="toc-Werking-sublist" class="vector-toc-list"> </ul> </li> </ul> </li> <li id="toc-Externe_link" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Externe_link"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Externe link</span> </div> </a> <ul id="toc-Externe_link-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Inhoud" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Inhoudsopgave omschakelen" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Inhoudsopgave omschakelen</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Kredietunie</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Ga naar een artikel in een andere taal. Beschikbaar in 34 talen" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-34" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">34 talen</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D8%A7%D8%AA%D8%AD%D8%A7%D8%AF_%D8%A7%D8%A6%D8%AA%D9%85%D8%A7%D9%86%D9%8A" title="اتحاد ائتماني – Arabisch" lang="ar" hreflang="ar" data-title="اتحاد ائتماني" data-language-autonym="العربية" data-language-local-name="Arabisch" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-az mw-list-item"><a href="https://az.wikipedia.org/wiki/Kredit_ittifaqlar%C4%B1" title="Kredit ittifaqları – Azerbeidzjaans" lang="az" hreflang="az" data-title="Kredit ittifaqları" data-language-autonym="Azərbaycanca" data-language-local-name="Azerbeidzjaans" class="interlanguage-link-target"><span>Azərbaycanca</span></a></li><li class="interlanguage-link interwiki-be mw-list-item"><a href="https://be.wikipedia.org/wiki/%D0%9A%D1%80%D1%8D%D0%B4%D1%8B%D1%82%D0%BD%D1%8B_%D0%BA%D0%B0%D0%B0%D0%BF%D0%B5%D1%80%D0%B0%D1%82%D1%8B%D1%9E" title="Крэдытны кааператыў – Belarussisch" lang="be" hreflang="be" data-title="Крэдытны кааператыў" data-language-autonym="Беларуская" data-language-local-name="Belarussisch" class="interlanguage-link-target"><span>Беларуская</span></a></li><li class="interlanguage-link interwiki-be-x-old mw-list-item"><a href="https://be-tarask.wikipedia.org/wiki/%D0%9A%D1%80%D1%8D%D0%B4%D1%8B%D1%82%D0%BD%D1%8B_%D0%BA%D0%B0%D0%B0%D0%BF%D1%8D%D1%80%D0%B0%D1%82%D1%8B%D1%9E" title="Крэдытны каапэратыў – Belarusian (Taraškievica orthography)" lang="be-tarask" hreflang="be-tarask" data-title="Крэдытны каапэратыў" data-language-autonym="Беларуская (тарашкевіца)" data-language-local-name="Belarusian (Taraškievica orthography)" class="interlanguage-link-target"><span>Беларуская (тарашкевіца)</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Cooperativa_de_cr%C3%A8dit" title="Cooperativa de crèdit – Catalaans" lang="ca" hreflang="ca" data-title="Cooperativa de crèdit" data-language-autonym="Català" data-language-local-name="Catalaans" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/Spo%C5%99iteln%C3%AD_a_%C3%BAv%C4%9Brn%C3%AD_dru%C5%BEstva" title="Spořitelní a úvěrní družstva – Tsjechisch" lang="cs" hreflang="cs" data-title="Spořitelní a úvěrní družstva" data-language-autonym="Čeština" data-language-local-name="Tsjechisch" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-cy mw-list-item"><a href="https://cy.wikipedia.org/wiki/Undeb_credyd" title="Undeb credyd – Welsh" lang="cy" hreflang="cy" data-title="Undeb credyd" data-language-autonym="Cymraeg" data-language-local-name="Welsh" class="interlanguage-link-target"><span>Cymraeg</span></a></li><li class="interlanguage-link interwiki-en mw-list-item"><a href="https://en.wikipedia.org/wiki/Credit_union" title="Credit union – Engels" lang="en" hreflang="en" data-title="Credit union" data-language-autonym="English" data-language-local-name="Engels" class="interlanguage-link-target"><span>English</span></a></li><li class="interlanguage-link interwiki-eo mw-list-item"><a href="https://eo.wikipedia.org/wiki/Kredita_unio" title="Kredita unio – Esperanto" lang="eo" hreflang="eo" data-title="Kredita unio" data-language-autonym="Esperanto" data-language-local-name="Esperanto" class="interlanguage-link-target"><span>Esperanto</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Cooperativa_de_ahorro_y_cr%C3%A9dito" title="Cooperativa de ahorro y crédito – Spaans" lang="es" hreflang="es" data-title="Cooperativa de ahorro y crédito" data-language-autonym="Español" data-language-local-name="Spaans" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/%C3%9Chistupank" title="Ühistupank – Estisch" lang="et" hreflang="et" data-title="Ühistupank" data-language-autonym="Eesti" data-language-local-name="Estisch" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%A7%D8%AA%D8%AD%D8%A7%D8%AF%DB%8C%D9%87_%D8%A7%D8%B9%D8%AA%D8%A8%D8%A7%D8%B1%DB%8C" title="اتحادیه اعتباری – Perzisch" lang="fa" hreflang="fa" data-title="اتحادیه اعتباری" data-language-autonym="فارسی" data-language-local-name="Perzisch" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Osuuspankki_(yhti%C3%B6muoto)" title="Osuuspankki (yhtiömuoto) – Fins" lang="fi" hreflang="fi" data-title="Osuuspankki (yhtiömuoto)" data-language-autonym="Suomi" data-language-local-name="Fins" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-fy mw-list-item"><a href="https://fy.wikipedia.org/wiki/Kredytuny" title="Kredytuny – Fries" lang="fy" hreflang="fy" data-title="Kredytuny" data-language-autonym="Frysk" data-language-local-name="Fries" class="interlanguage-link-target"><span>Frysk</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Koperasi_kredit" title="Koperasi kredit – Indonesisch" lang="id" hreflang="id" data-title="Koperasi kredit" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesisch" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Credito_cooperativo" title="Credito cooperativo – Italiaans" lang="it" hreflang="it" data-title="Credito cooperativo" data-language-autonym="Italiano" data-language-local-name="Italiaans" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E7%B5%84%E5%90%88" title="信用組合 – Japans" lang="ja" hreflang="ja" data-title="信用組合" data-language-autonym="日本語" data-language-local-name="Japans" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%8B%A0%EC%9A%A9%ED%98%91%EB%8F%99%EC%A1%B0%ED%95%A9" title="신용협동조합 – Koreaans" lang="ko" hreflang="ko" data-title="신용협동조합" data-language-autonym="한국어" data-language-local-name="Koreaans" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-ky mw-list-item"><a href="https://ky.wikipedia.org/wiki/%D0%9D%D0%B0%D1%81%D1%8B%D1%8F_%D0%B1%D0%B8%D1%80%D0%BB%D0%B8%D0%B3%D0%B8" title="Насыя бирлиги – Kirgizisch" lang="ky" hreflang="ky" data-title="Насыя бирлиги" data-language-autonym="Кыргызча" data-language-local-name="Kirgizisch" class="interlanguage-link-target"><span>Кыргызча</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Kredito_unija" title="Kredito unija – Litouws" lang="lt" hreflang="lt" data-title="Kredito unija" data-language-autonym="Lietuvių" data-language-local-name="Litouws" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-lv mw-list-item"><a href="https://lv.wikipedia.org/wiki/Kooperat%C4%ABv%C4%81_kr%C4%81jaizdevu_sabiedr%C4%ABba" title="Kooperatīvā krājaizdevu sabiedrība – Lets" lang="lv" hreflang="lv" data-title="Kooperatīvā krājaizdevu sabiedrība" data-language-autonym="Latviešu" data-language-local-name="Lets" class="interlanguage-link-target"><span>Latviešu</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Kesatuan_kredit" title="Kesatuan kredit – Maleis" lang="ms" hreflang="ms" data-title="Kesatuan kredit" data-language-autonym="Bahasa Melayu" data-language-local-name="Maleis" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Sp%C3%B3%C5%82dzielcza_kasa_oszcz%C4%99dno%C5%9Bciowo-kredytowa" title="Spółdzielcza kasa oszczędnościowo-kredytowa – Pools" lang="pl" hreflang="pl" data-title="Spółdzielcza kasa oszczędnościowo-kredytowa" data-language-autonym="Polski" data-language-local-name="Pools" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Cooperativa_de_cr%C3%A9dito" title="Cooperativa de crédito – Portugees" lang="pt" hreflang="pt" data-title="Cooperativa de crédito" data-language-autonym="Português" data-language-local-name="Portugees" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ro mw-list-item"><a href="https://ro.wikipedia.org/wiki/Cooperativ%C4%83_de_credit" title="Cooperativă de credit – Roemeens" lang="ro" hreflang="ro" data-title="Cooperativă de credit" data-language-autonym="Română" data-language-local-name="Roemeens" class="interlanguage-link-target"><span>Română</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D1%8B%D0%B9_%D0%BA%D0%BE%D0%BE%D0%BF%D0%B5%D1%80%D0%B0%D1%82%D0%B8%D0%B2" title="Кредитный кооператив – Russisch" lang="ru" hreflang="ru" data-title="Кредитный кооператив" data-language-autonym="Русский" data-language-local-name="Russisch" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Credit_union" title="Credit union – Simple English" lang="en-simple" hreflang="en-simple" data-title="Credit union" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/Medlemsbank" title="Medlemsbank – Zweeds" lang="sv" hreflang="sv" data-title="Medlemsbank" data-language-autonym="Svenska" data-language-local-name="Zweeds" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-th mw-list-item"><a href="https://th.wikipedia.org/wiki/%E0%B8%AA%E0%B8%AB%E0%B8%81%E0%B8%A3%E0%B8%93%E0%B9%8C%E0%B9%80%E0%B8%84%E0%B8%A3%E0%B8%94%E0%B8%B4%E0%B8%95%E0%B8%A2%E0%B8%B9%E0%B9%80%E0%B8%99%E0%B8%B5%E0%B9%88%E0%B8%A2%E0%B8%99" title="สหกรณ์เครดิตยูเนี่ยน – Thai" lang="th" hreflang="th" data-title="สหกรณ์เครดิตยูเนี่ยน" data-language-autonym="ไทย" data-language-local-name="Thai" class="interlanguage-link-target"><span>ไทย</span></a></li><li class="interlanguage-link interwiki-tl mw-list-item"><a href="https://tl.wikipedia.org/wiki/Kapisanang_pampautangan" title="Kapisanang pampautangan – Tagalog" lang="tl" hreflang="tl" data-title="Kapisanang pampautangan" data-language-autonym="Tagalog" data-language-local-name="Tagalog" class="interlanguage-link-target"><span>Tagalog</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BD%D0%B0_%D1%81%D0%BF%D1%96%D0%BB%D0%BA%D0%B0" title="Кредитна спілка – Oekraïens" lang="uk" hreflang="uk" data-title="Кредитна спілка" data-language-autonym="Українська" data-language-local-name="Oekraïens" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/T%E1%BB%95_ch%E1%BB%A9c_t%C3%ADn_d%E1%BB%A5ng" title="Tổ chức tín dụng – Vietnamees" lang="vi" hreflang="vi" data-title="Tổ chức tín dụng" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamees" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%84%B2%E8%93%84%E4%BA%92%E5%8A%A9%E7%A4%BE" title="儲蓄互助社 – Chinees" lang="zh" hreflang="zh" data-title="儲蓄互助社" data-language-autonym="中文" data-language-local-name="Chinees" class="interlanguage-link-target"><span>中文</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E4%BF%A1%E7%94%A8%E5%90%88%E4%BD%9C%E7%A4%BE" title="信用合作社 – Kantonees" lang="yue" hreflang="yue" data-title="信用合作社" data-language-autonym="粵語" data-language-local-name="Kantonees" class="interlanguage-link-target"><span>粵語</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q745877#sitelinks-wikipedia" title="Taalkoppelingen bewerken" class="wbc-editpage">Koppelingen bewerken</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Naamruimten"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div 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mw-list-item"><a href="/w/index.php?title=Kredietunie&action=edit" title="Broncode van deze pagina bewerken [e]" accesskey="e"><span>Brontekst bewerken</span></a></li><li id="ca-history" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=Kredietunie&action=history" title="Eerdere versies van deze pagina [h]" accesskey="h"><span>Geschiedenis weergeven</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="Paginahulpmiddelen"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="Hulpmiddelen" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled 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<div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Uiterlijk"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Uiterlijk</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">naar zijbalk verplaatsen</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">verbergen</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">Uit Wikipedia, de vrije encyclopedie</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="nl" dir="ltr"><p>Een <b>kredietunie</b> is een <a href="/wiki/Co%C3%B6peratie" title="Coöperatie">coöperatie</a> die financiële diensten verleent aan haar leden. Omdat een kredietunie een <a href="/wiki/Co%C3%B6peratie" title="Coöperatie">coöperatie</a> is, is zij democratisch georganiseerd. Leden zijn mede-eigenaar en hebben een stem in het benoemen van bestuursleden. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Nederland">Nederland</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Kredietunie&veaction=edit&section=1" title="Bewerk dit kopje: Nederland" class="mw-editsection-visualeditor"><span>bewerken</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Kredietunie&action=edit&section=1" title="De broncode bewerken van de sectie: Nederland"><span>brontekst bewerken</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Na de <a href="/wiki/Kredietcrisis" title="Kredietcrisis">kredietcrisis</a> van 2008 zijn in Nederland de eerste kredietunies opgericht. Kredietunies zijn in Nederland onderdeel van alternatieve vormen op kredietverstrekking. Na de crisis zijn banken terughoudender geworden in het verstrekken van krediet aan het <a href="/wiki/Midden-_en_kleinbedrijf" title="Midden- en kleinbedrijf">midden- en kleinbedrijf</a>. Omdat er nog geen specifieke wet- en regelgeving was omtrent kredietunies, moesten de eerste initiatieven voldoen aan de strenge eisen voor een bankvergunning die afgegeven wordt door <a href="/wiki/De_Nederlandsche_Bank" title="De Nederlandsche Bank">De Nederlandsche Bank</a> (DNB).<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Initiatief">Initiatief</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Kredietunie&veaction=edit&section=2" title="Bewerk dit kopje: Initiatief" class="mw-editsection-visualeditor"><span>bewerken</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Kredietunie&action=edit&section=2" title="De broncode bewerken van de sectie: Initiatief"><span>brontekst bewerken</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2013 dienden de <a href="/wiki/Tweede_Kamer" class="mw-redirect" title="Tweede Kamer">Tweede Kamerleden</a> <a href="/wiki/Eddy_van_Hijum" title="Eddy van Hijum">Van Hijum</a> en <a href="/wiki/Agnes_Mulder" title="Agnes Mulder">Mulder</a> van het <a href="/wiki/Christen-Democratisch_App%C3%A8l" title="Christen-Democratisch Appèl">CDA</a> een <a href="/wiki/Initiatiefnota" title="Initiatiefnota">initiatiefnota</a> in met een pleidooi voor een aparte status voor kleine kredietunies in beperkte kring. De regering reageerde daar positief op.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> In mei 2014 dienden Van Hijum en Agnes Mulder vervolgens een <a href="/wiki/Initiatiefwet" title="Initiatiefwet">initiatiefvoorstel</a> voor de <i>Wet toezicht kredietunies</i> in. Deze werd in maart 2015 door de Tweede Kamer unaniem aangenomen en in april dat jaar als hamerstuk afgedaan in de <a href="/wiki/Eerste_Kamer" class="mw-redirect" title="Eerste Kamer">Eerste Kamer</a>. De wet is ingegaan per 1 januari 2016 en wijzigde de <a href="/wiki/Wet_op_het_financieel_toezicht" title="Wet op het financieel toezicht">Wet op het financieel toezicht</a> (Wft).<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Wettelijke_grondslag">Wettelijke grondslag</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Kredietunie&veaction=edit&section=3" title="Bewerk dit kopje: Wettelijke grondslag" class="mw-editsection-visualeditor"><span>bewerken</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Kredietunie&action=edit&section=3" title="De broncode bewerken van de sectie: Wettelijke grondslag"><span>brontekst bewerken</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Een kredietunie onder de Wft is een coöperatie waarvan de leden op grond van hun beroep of bedrijf zijn toegelaten, en haar bedrijf maakt van het bij haar leden verzamelen van geld om te investeren en krediet verstrekt aan haar leden ten behoeve van diens beroeps- of bedrijfsuitoefening. Dit is dus een redelijk specifiek soort kredietunie: namelijk een waar ondernemers elkaar geld uitlenen. Kredietunies die onder deze definitie vallen en maximaal 10 miljoen euro in de kas hebben, staan niet onder toezicht van de De Nederlandsche Bank of de <a href="/wiki/Autoriteit_Financi%C3%ABle_Markten" title="Autoriteit Financiële Markten">Autoriteit Financiële Markten</a> (AFM) en hebben geen vergunning nodig.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> Tot maximaal 100 miljoen euro en maximaal 25.000 leden hebben dit soort kredietunies een vergunning van de DNB nodig.<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> Kredietunies die groter zijn of niet binnen de definitie van kredietunie van de Wft vallen, hebben een volledige bankvergunning van de <a href="/wiki/Europese_Centrale_Bank" title="Europese Centrale Bank">Europese Centrale Bank</a> nodig. </p> <div class="mw-heading mw-heading3"><h3 id="Werking">Werking</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Kredietunie&veaction=edit&section=4" title="Bewerk dit kopje: Werking" class="mw-editsection-visualeditor"><span>bewerken</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Kredietunie&action=edit&section=4" title="De broncode bewerken van de sectie: Werking"><span>brontekst bewerken</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Er zijn verschillende soorten kredietunies actief in Nederland. Dit zijn vooral kredietunies die werken met een z.g. Common Bond (het internationaal geaccepteerde model, conform de Wet Toezicht Kredietunies), waarbij de leden niet alleen rendement en risico met elkaar delen, maar ook ervaring, kennis en netwerken. Daarnaast zijn er de zgn. krediet-bemiddelende kredietcoöperaties (crowdfunding in besloten kring). De Vereniging van Samenwerkende Kredietunies en Kredietcoöperaties (VSK) is de landelijke belangenbehartiger voor alle kredietunies. De meeste kredietunies zijn gericht op een bepaalde regio of stad, bijvoorbeeld Westerkwartier, Haarlemmermeer, Eemsregio, Groningen of Den Bosch. Er is echter ook een aantal sectorale kredietunies, bijvoorbeeld die voor Bakkerij-ondernemers, De Bruine Vloot of voor Binnenvaartschippers. </p> <div class="mw-heading mw-heading2"><h2 id="Externe_link">Externe link</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Kredietunie&veaction=edit&section=5" title="Bewerk dit kopje: Externe link" class="mw-editsection-visualeditor"><span>bewerken</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=Kredietunie&action=edit&section=5" title="De broncode bewerken van de sectie: Externe link"><span>brontekst bewerken</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://www.samenwerkendekredietunies.nl/over-ons/">Website Samenwerkende Kredietunies</a></li></ul> <div class="toccolours appendix" role="presentation" style="font-size:90%; margin:1em 0 -0.5em; clear:both;"> <div><span style="font-weight:bold">Bronnen, noten en/of referenties</span></div> <div class="reflist" style="list-style-type: decimal;"><div class="mw-references-wrap"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><a href="#cite_ref-1">↑</a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://zoek.officielebekendmakingen.nl/kst-33949-3.html">Kamerstuk 33 949 nr. 3, Memorie van toelichting Wet toezicht kredietunies</a>, onder "4 Belemmeringen in huidige regelgeving".</span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><a href="#cite_ref-2">↑</a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://zoek.officielebekendmakingen.nl/kst-33704-2.html">Kamerstuk 33 704 nr. 2 Initiatiefnota van de leden Van Hijum en Agnes Mulder over ruimte voor kredietunies</a> Officielebekendmakingen.nl</span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><a href="#cite_ref-3">↑</a></span> <span class="reference-text"><span class="citation" id="CITEREF2013"><span style="font-variant:small-caps;">Redactie</span>, <a rel="nofollow" class="external text" href="https://www.parool.nl/gs-b3bc11d5">Dijsselbloem positief over kredietunies mkb</a>. <i>Het Parool</i> (<span class="mw-formatted-date" title="2013-11-11">11 november 2013</span>). Geraadpleegd op <span class="mw-formatted-date" title="2020-04-11">11 april 2020</span>. </span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><a href="#cite_ref-4">↑</a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.eerstekamer.nl/wetsvoorstel/33949_initiatiefvoorstel_agnes">Dossier 33 949 Initiatiefvoorstel-Agnes Mulder en Nijboer Wet toezicht kredietunies</a> Eerstekamer.nl. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20230421092535/https://www.eerstekamer.nl/wetsvoorstel/33949_initiatiefvoorstel_agnes">Gearchiveerd</a> op 21 april 2023.</span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><a href="#cite_ref-5">↑</a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://wetten.overheid.nl/jci1.3:c:BWBR0020536&hoofdstuk=2&paragraaf=2.0e&artikel=1j&z=2019-09-05&g=2019-09-05">Artikel 1j Vrijstellingsregeling Wft</a>, gebaseerd op artikel 2:54q van de Wft</span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><a href="#cite_ref-6">↑</a></span> <span class="reference-text"><span class="citation"><a rel="nofollow" class="external text" href="https://www.toezicht.dnb.nl/2/50-236736.jsp#">Kredietunies – overzichtspagina - Open Boek Toezicht</a>. <i>www.toezicht.dnb.nl</i>. Geraadpleegd op <span class="mw-formatted-date" title="2020-04-12">12 april 2020</span>. </span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><a href="#cite_ref-7">↑</a></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://wetten.overheid.nl/jci1.3:c:BWBR0020537&hoofdstuk=9b&artikel=20j&z=2020-01-01&g=2020-01-01">Artikel 20j Uitvoeringsregeling Wft</a>, gebaseerd op artikel 3:38c Wft</span> </li> </ol></div></div> </div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Overgenomen van "<a dir="ltr" href="https://nl.wikipedia.org/w/index.php?title=Kredietunie&oldid=67739270">https://nl.wikipedia.org/w/index.php?title=Kredietunie&oldid=67739270</a>"</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/Categorie:Alles" title="Categorie:Alles">Categorieën</a>: <ul><li><a href="/wiki/Categorie:Economie" title="Categorie:Economie">Economie</a></li><li><a href="/wiki/Categorie:Co%C3%B6peratie" title="Categorie:Coöperatie">Coöperatie</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> Deze pagina is voor het laatst bewerkt op 28 jun 2024 om 12:45.</li> <li id="footer-info-copyright">De tekst is beschikbaar onder de licentie <a rel="nofollow" class="external text" href="//creativecommons.org/licenses/by-sa/4.0/deed.nl">Creative Commons Naamsvermelding/Gelijk delen</a>, er kunnen aanvullende voorwaarden van toepassing zijn. 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