마을金庫의 基本的 性格과 그 效率的 運營에 關한 硏究 = A Study on Basic Characteristics of Maul Gumgo and Its Efficient Management

다국어 초록 (Multilingual Abstract)

The purposes of this study to are rediscover our traditional cooperative hand-down from old times, to systematize the cooperative, Maul Gumgo theoretically, and further to set up a fixed model and the efficient ways of management.
Firstly, I have tried to compare the western cooperative with Maul Gumgo (community safe) as the latter has borrowed management skills from the former.
Secondly, I have studied how to relate the idelogy of Maul Gumgo with Saemaul Moverment.
Thirdly, I have studied organization, system, function ajnd basic characteristics of Maul Gumgo.
In short, Maul Gumgo is an economic unit based on human nature itself. The members of Maul Gumgo are investors users and even can be a boardmember. Therefore, voluntary participation is required for the members and the operation of it should be done by the democratic principles.
Maul Gumgo has been remarkably progressed in quality and quantity for 15 years also the perspective is good in future. I have researched 9 Maul Gumgo which are relatively well managed in rural, urban areas and in workshops. In each categary, 3 Maul Gumgo are selected for the investigation.
Through the research, the following suggestions are mage for the effective way of management of Maul Gumgo;
1. Intensification of education and training should be reinforced, for members, boardmembers and staffs.
2. Self and federation auditing should be reinforced. The auditors have to get the through and professional education to perform their functions efficiently.
3. The management system should be decentralized instead of present centralization.
In order to do so, legal guarantee in the branch of city, ward, county or province should be assured.
The efficient way of operation is to establish the provincial branch.
4. Encouragement of the small scale Maul Gumgo instead of the large scale is available for the Operation.
5. Instead of external investment of the unit Maul Gumgo, it should be transferred into the deposit to the branch of city, ward and county, or province. The external investment should be implemented only through the central federation instead of direct external investment from the unit Maul Gumgo through City, ward, ward, county or province.
6. The present general meeting should be held by the representatives, and group or circle meeting should be intensified instead of present monthly meeting.
7. The legal deposit in each unit Maul Gumgo should be seperated from the master ledger, which means an independent ledger, and the interest from this deposit should be transferred into stafff salary.
8. Expenses for facilities and education should be provided by the government, and publicities should be done through monthly Ban Sang Hwae (small group meeting).
9. Positive encouragement of purche-and-sale system in the community, firm establishment of circulation order with the market price principle according to the fair trade rule and elimination of the undue profit from the middle-men.
10. High dividend by investment should be prohibited and encouraged divident by loan amount.
To perform the above mentioned efficiently, first of all, revision of Maul Gumgo's law is suggested and recommended.
And even though the principle of market price in evaluation of investment and the profit which accrued by the disorganization of the unit Maul Gumgo are presently disregarded these two factors should be considered for the memberrs

목차 (Table of Contents)

• I. 序 言 = 145
• 1. 問題의 提起 = 145
• 2. 硏究의 方法 및 限界 = 146
• II. 마을金庫의 基本的 性格 = 147
• 1. 西歐의 協同組合과 마을金庫 = 147
• 2. 마을金庫의 이념과 새마을運動 = 154
• 3. 마을金庫의 組織과 機能 = 156
• 4. 마을金庫의 基本的 性格 = 158
• III. 마을金庫의 成長과 問題點 = 161
• 1. 마을金庫의 成長現況 = 161
• 2. 事 例 = 163
• 3. 問題點 = 171
• IV. 마을金庫의 效率的 運營方案 = 173
• 1. 마을金庫의 運營原理 = 173
• 2. 마을金庫의 效率的 運營方案 = 177
• V. 結 言 = 185