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У статті розглянуто основні передумови виникнення кредитних спілок. Розкрито суть поняття "кредитна кооперація" як історичної основи створення кредитних спілок. Проаналізовано основні історичні аспекти розвитку кооперативного руху та запропоновано умовний поділ походження кредитних спілок на шість етапів. Охарактеризовано найвагоміші дати в історії кредитних спілок незалежної України. Висвітлено головні перспективні напрямки розвитку сучасної системи кредитних спілок в Україні.

The historical process of formation of credit unions is quite protracted. It includes phases of prosperity and decline. There are no main stages of the evolution of credit unions. This historical analysis will correctly identify the social significance and purpose of credit unions in the world. The purpose of article is to analyze the historical notes of formation of credit unions as financial institutions and to separate the main stages of the origin and precausions for the emergence of credit movement in Ukraine and all over the world. The basic backgrounds of credit unions are highlighted in the article. The essence of the concept of "credit cooperation" as a historical basis for the establishment of credit unions is considered. The basic historical aspects of the cooperative movement are defined. A six-step division of emergence of credit unions is offered. The most significant dates in the history of independent Ukraine related to credit unions are analyzed. The main prospects for development of a modern system of credit unions in Ukraine are described. Since Ukraine gained its independence, the credit unions have begun a new phase of modernization, which has not stopped its development until the present day. this is illustrated by constantly changing statistical data related to credit unions.