How the co-operative and social enterprises can assist in providing public services for  today's society.










Co-operative and mutual organisations have been part of the social fabric since Victorian times. The mutual sector is very diverse and includes co-operative societies, friendly societies, building societies and mutual insurance societies. In recent years, we have seen the advent of new kinds of mutual organisations in the form of social enterprises and multi-stake-holder community based organisations. There has also been a growth in the number of credit unions. As mutuals are non-governmental bodies they are not subject to Treasury restrictions on borrowing which gives them greater freedom of action because they are able to raise private sector finance. Users benefit because mutuals are democratically controlled by their members. This website looks at how mutuals operate and the role that they could play in the future.


Glyn Thomas









Promoting Community
Led Housing in London


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