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Mutual Organizations, Mutual Societies

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  • Edith Archambault

    (CES - Centre d'économie de la Sorbonne - UP1 - Université Paris 1 Panthéon-Sorbonne - CNRS - Centre National de la Recherche Scientifique)

Abstract

According to a very broad definition of the European Commission, mutual organizations/ societies "are voluntary groups of persons (natural or legal) whose purpose is primarily to meet the needs of their members rather than achieve a return on investment." This broad definition includes self-help groups, friendly societies, cooperatives, mutual insurance companies, mutual benefit societies, credit unions, building societies, savings and loans associations, microcredit, burial associations, Freemasons.. . (European Commission 2003). Hereafter, it is a more restricted definition that is used, relying on principles shared by most mutuals in Europe, the region where they are the most widespread. However, some international examples put European mutual societies in perspective. The core organizations examined here will be mutual insurance companies and mutual benefit societies. In that sense, mutual societies are insurance companies run by their members for protecting them against property, personal and social risks on a voluntary and noncompulsory basis. Mutual insurance companies deal with property and life risks while mutual benefit societies protect their members against social risks, mainly illness, disability, and old age.

Suggested Citation

  • Edith Archambault, 2021. "Mutual Organizations, Mutual Societies," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) halshs-03633911, HAL.
    • Handle: RePEc:hal:cesptp:halshs-03633911
    DOI: 10.1007/978-3-319-99675-2_50-1
    Note: View the original document on HAL open archive server: https://shs.hal.science/halshs-03633911
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    References listed on IDEAS

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    1. Michel Dreyfus, 1993. "The labour movement and mutual benefit societies: Towards an international approach," International Social Security Review, John Wiley & Sons, vol. 46(3), pages 19-27, July.
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