Qué ofrece el cooperativismo

Cómo resulta posible que el cooperativismo puede cambiar la realidad en que vivimos
El miércoles 6 al atardecer la Comisión de Asociados de la Sucursal 041 del Banco Credicoop ofreció en el salón Pedro Zymeryng de Av. La plata 1435, una charla sobre el tema “Para transformar la realidad: Cooperativismo” a cargo de Fernando Zuker, investigador del Centro Cultural de la Cooperación, docente, presidente de la Cooperativa La Taba. Ofrecemos una transcripción de lo expuesto por el disertante.

Esta charla tiene la particularidad de ser una introducción muy general acerca de lo que es el movimiento cooperativo a escala mundial, a escala regional, a escala nacional y local. Cuando digo escala local me refiero a nuestra escala, la del Banco Credicoop.

Cuando hablamos de cooperativismo nos tenemos que hacer la pregunta: quienes somos los cooperativistas, de dónde venimos, a quiénes les hablamos y cuál es la visión del mundo que nosotros queremos.

Si podemos empezar a poner en funcionamiento nuestra propia capacidad de pensar. razonar acerca de estas cuestiones: quienes somos , de dónde venimos, que es lo que pensamos, a quien nos dirigimos…, luego podremos pasar a discutir, a debatir, a compartir y a poner en común que es lo que podemos hacer para llegar a ese final utópico que se circunscribe a la práctica, la experiencia, a esta cuestión de poder transformar la realidad o una parte del entorno que nos rodea. Nosotros, desde el departamento de cooperativismo del Centro Cultural (1) hacemos esta serie de acciones, participamos en investigaciones, escribimos en las publicaciones del movimiento cooperativo, realizamos actividades de formación y talleres de temas vinculados a las problemáticas del sector cooperativo y de la economía social y solidaria (ESS).

Entendemos al cooperativismo y a la economía social y solidaria como un movimiento que aporta a la construcción de nuevas relaciones sociales basadas en la equidad, la reciprocidad, la cooperación, la ayuda mutua y la solidaridad. Consideramos que cuando hablamos de todo esto estamos hablando sobre una forma económica pero también hacemos referencia a que formamos parte de un tejido comunitario, de una construcción cultural y social que incluso excede a nuestra propia experiencia. Lo hacemos intentando entrelazar relaciones sociales que no son las que comúnmente vivimos en la calle. Estos valores de reciprocidad, de ayuda mutua, de solidaridad, en la calle no los encontramos, más en los tiempos en que vivimos, sino que en los grupos que formamos con estas organizaciones nos vamos reuniendo con otras personas con las cuales coincidimos con esta visión del mundo.

El cooperativismo le pone límites al modelo y construye un proyecto emancipador. Como actores económicos creamos oportunidades de trabajo. Como empresas con objetivos sociales nos centramos en las personas. Como instituciones democráticas controlamos y desempeñamos liderazgos en las comunidades locales.

Hace un rato me encontré con un slogan que me sorprendió: “la solidaridad como cultura, el cooperativismo como política”. Buena definición. A veces confundimos el sentido de los términos. Pensar que nuestra cultura, nuestra forma de hacer, tiene que ver con la solidaridad y el cooperativismo lo entendemos como una herramienta de transformación política. Me llamó la atención y lo recupero en la charla como apropiándome de esa prédica.

Les cuento sintéticamente: la charla tiene tres momentos:

*): un lanzamiento, quiénes somos los/as/es cooperativistas. Un panorama de lo que somos en el mundo, en números, en realidades concretas, palpables.

*): una segunda parte conceptual: qué es el cooperativismo, cual es nuestra historia ¿Podemos hablar de un nuevo cooperativismo a diferencia de lo que fue el cooperativismo fundacional de nuestro país?

*): y un tercer momento: ¿qué podemos hacer, cuáles son nuestras propuestas, a partir de ahora en la Comisión de asociados de Parque Chacabuco, podemos hacer algo?

Cuando intentamos difundir algo, el vecino común desconoce el tamaño, la escala, la profundidad, qué somos y a que aspiramos…, hay un problema de mensaje, de comunicación…, que se puede empezar a resolver si tenemos en cuenta que el cooperativismo de forma medio abstracta, en general, es el movimiento que le termina poniendo límites al modelo económico imperante, entre otras cosas porque las cooperativas somos actores económicos que crean fuentes de trabajo directas, somos una empresa con objetivos sociales, donde el eje no está en la generación de ganancia ilimitada, sino en la vida, en las personas , en nosotros y no en el capital. Y por último, el cooperativismo es una institución democrática y muchos de sus integrantes son líderes en sus comunidades, líderes en el sentido de que tienen una participación activa, dinámica en la vida cultural y política de cada una de las zonas. Vale decir: los cooperativistas también pueden ejercer un papel político y de hacho lo hacen. En nuestro país tenemos una buena lista de cooperativistas que tienen cargos en diversos lugares del Estado.

Si hablamos del cooperativismo internacional, lo primero que tenemos que decir es que 1.200 millones de personas en el mundo son miembros de cooperativas. No hay otro movimiento económico, social y político que en menos de 200 años haya crecido tanto.

Las 300 cooperativas más importantes equivalen a la 6º economía mundial. Facturación: Más de 2 trillones de dólares. 1º IFFCO (Cooperativa Agropecuaria India) 2º Credit Agricole (Banca Cooperativa Francia) 3º Grupo BPCE (Banco Popular Francia). De Argentina participan en el ranking Agricultores Federados Argentinos (102), Grupo Sancor Seguros (113), Banco Credicoop (131) y Seguros Bernardino Rivadavia (276).

ACI creó el “Think Thank” de Emprendimiento Cooperativo International (ICETT) donde participan el Grupo Sancor Seguros, Banco Credicoop, Instituto Movilizador de Fondos Cooperativos, la Cooperativa de Trabajos Portuarios General San Martín, Grupo Asegurador La Segunda y la Cooperativa Obrera.

Datos del Sector “País”

  • Somos 10 millones de personas asociadas a cooperativas.
  • 1 de cada 2 personas recibe-consume un producto cooperativo.
  • 2.500.000 son atendidos en el sistema de salud cooperativo.
  • Tenemos 7 millones de asociados usuarios de electricidad.
  • Más del 80% de las redes de electrificación rural.
  • Más de 450 canales, más de 150 radios, más de 110 diarios gestionados bajo el formato cooperativo.
  • Somos el 16% del mercado de laboratorios farmacéuticos.
  • Creamos casi 300 mil puestos de trabajo directos.
  • 1.500.000 vecinos son consumidores asociados a una de las cooperativas más grandes del continente.
  • La banca cooperativa brinda ahorro y crédito a cerca de 1.000.000 de personas.

El Proceso Histórico

  • Como pugna de INTERESES.
  • Como lucha de PODER.
  • Como batalla CULTURAL.

El origen de la humanidad se explica por la capacidad de asociarse y afrontar colectivamente las tareas inherentes a su reproducción. De una economía de la subsistencia a una del excedente.

Floreal Gorini (2): “Tomar a la cooperativa sólo como una respuesta económica que se diferencia de los capitalistas porque no hay acumulación personal sino colectiva y que no tiene fines de lucro sino de servicio, es un avance, pero no es todo”.

Orígenes del Cooperativismo Nacional vinculado al Crédito

  • 1918 Creación de la primera Caja Mercantil.
  • 1958 Creación del IMFC(Inst. Movilizador de Fondos Cooperativos)
  • 1966 Hostilidad y Amenaza.
  • 1977 Desaparición de las cajas de crédito y conversión en bancos cooperativos. La ley de entidades financieras puso al sistema financiero como base de apoyo para la reformulación violenta del régimen de acumulación.
  • 1990 Programa Neoliberal y Globalización.
  • 2003-2015 Contexto favorable para impulsar nuestra visión del mundo y del modelo organizativo.
  • 2016/2019 Nuevo Programa Neoliberal. Las Cooperativas y Mutuales bajo sospecha de tráfico y lavado de activos. Avance sobre la naturaleza jurídica de las entidades y presión tributaria.

Orígenes del Cooperativismo Moderno

  • 1844 Inglaterra / Sociedad de los Probos Pioneros de Rochdale.
  • 1884 Francia / Unión Cooperativa de las Cooperativas Francesas de Consumo.

El Enfoque Europeo de la Economía Social

“Otorga un mayor peso institucional y económico a las entidades estructuradas como sector y a la hibridación de recursos que las mismas puedan articular con el Estado” (Jean Louis Laville; 2009) (3).

“Uno de los límites está en el pasaje de muchas prácticas a estructuras de funcionamiento muy profesionalizadas” (Defourny y Develtevere; 1999).(4)

El Enfoque Latinoamericano

  • Hace hincapié en el principio de la AUTOGESTIÓN más allá del estatuto jurídico (Lemaitre; 2009).
  • Se inscribe en una progresiva implantación de relaciones más HORIZONTALES (Singer; 2008).
  • Incluye a las NUEVAS experiencias y modos de producción (emprendimientos socio-productivos familiares, experiencias de intercambio, prácticas de finanzas solidarias y proyectos societarios del tenor de las empresas sociales).

 

EL JUEGO DE LAS DIFERENCIAS

EN LA ECONOMÍA CAPITALISTA

  • PARA QUÉ: Aumentar Ganancias Acumular Riqueza Poder Concentración Dominación.
  • EJE: Capital -dinero solo para obtener más dinero- El hombre es un medio.
  • TOMA DE DECISIONES: Verticalismo Centralizada.
  • MEDIOS DE PRODUCCIÓN: Propiedad privada individual.
  • DISTRIBUCIÓN DEL EXCEDENTE: Concentración y acumulación de la ganancia.
  • TRABAJO: Herramienta, un medio de producción: “empleo”.
  • VÍNCULO CON LA NATURALEZA: Devastación y explotación de los recursos naturales.
  • CULTURA: Egoísmo, Ambición, Competencia, Individualismo, Especulación, Explotación, “sálvese quien pueda”, Consumismo.

EN LA ECONOMÍA SOCIAL Y SOLIDARIA

  • PARA QUÉ: Satisfacer las necesidades sociales (comida, educación, salud, vivienda, etc.) Desarrollo Social.
  • EJE: Hombre. El capital es un medio.
  • TOMA DE DECISIONES: Horizontal / Participativa Colectiva.
  • MEDIOS DE PRODUCCIÓN: Propiedad social y/o colectiva.
  • DISTRIBUCIÓN DEL EXCEDENTE: Se reparte entre todos.
  • TRABAJO: Fin, medio de vida, un derecho: “trabajo”
  • VÍNCULO CON LA NATURALEZA: Respeto del medio ambiente y la biodiversidad.
  • CULTURA: Solidaridad, Unión, Fraternidad, Igualdad, Participación, Consumo Responsable.

Los Subsistemas de la Economía

  • Economía Capitalista: se orienta a la valorización ilimitada del capital dinero, la defensa irrestricta de la propiedad privada y las relaciones de producción e intercambio asimétricos.
  • Economía Pública: se orienta por la combinación de tres lógicas: la acumulación de poder político; la gobernabilidad, regulación y legitimación del sistema social; la construcción democrática del bien común.
  • Economía Popular: se orienta a la reproducción biológica intergeneracional y social en las mejores condiciones posibles de las personas que la componen.

¿Qué es la Economía Social?

  • DEFINICIÓN: Es la actividad económica de hombres y mujeres en tanto dimensiones de producción, comercialización, distribución y consumo, que no se sustenta en la explotación del trabajo humano (ni ajeno ni familiar), que es llevada a cabo en armonía con la naturaleza y que tiende a la construcción de una vida digna para todas y todos mediante la transformación social, generando nuevas relaciones económicas, sociales y culturales.
  • DESAFÍO PRINCIPAL: Construir una nueva institucionalidad que expresa los valores y los principios de esa “otra” economía que estamos construyendo en el país.
  • ARTICULACIÓN: Nivel Micro (unidades de mayor escala autogestionadas), Nivel Meso (redes de intercambio y cooperación, recursos públicos), Nivel Macro (disputa por la hegemonía frente a la lógica de acumulación dominante).

¿Qué es una Cooperativa?

  • DEFINICIÓN: Es una asociación autónoma de personas que se han unido voluntariamente para hacer frente a sus necesidades y aspiraciones económicas, sociales y culturales comunes por medio de una empresa de propiedad conjunta y democráticamente controlada.
  • VALORES COOPERATIVOS: Las cooperativas se basan en los valores de la ayuda mutua, responsabilidad, democracia, igualdad, equidad y solidaridad. Siguiendo la tradición de sus fundadores, sus miembros creen en los valores éticos de la honestidad, transparencia, responsabilidad social y preocupación por los demás.

Principios Cooperativos

  • MEMBRESÍA ABIERTA Y VOLUNTARIA: Abiertas a las personas dispuestas a utilizar sus servicios sin discriminación de género, raza, clase social, posición política o religiosa.
  • CONTROL DEMOCRÁTICO: Los asociados participan en la definición de políticas y toma de decisiones. Todos tienen igual derecho de voto.
  • PARTICIPACIÓN DEMOCRÁTICA: Todos contribuyen y controlan el capital de la cooperativa y retiran excedentes de acuerdo a sus transacciones con la entidad (por ej. retribución del trabajo).
  • AUTONOMÍA E INDEPENDENCIA: Los acuerdos con otras organizaciones deben asegurar el control democrático y la autonomía.
  • EDUCACIÓN, FORMACIÓN E INFORMACIÓN: Para contribuir eficazmente al desarrollo de las cooperativas e informar a la sociedad la naturaleza y beneficios del cooperativismo.
  • COOPERACIÓN ENTRE COOPERATIVAS: Para lograr mayor eficacia y fortalecimiento del movimiento (trabajo conjunto, compre recíproco).
  • COMPROMISO CON LA COMUNIDAD: Trabajan para el desarrollo sostenible de su comunidad por medio de políticas aceptadas por sus miembros (ej. actividades públicas, proyectos territoriales).

Desarrollo de Experiencias

  • Cooperativas Agropecuarias: son organizadas por productores agropecuarios para abaratar sus costos y tener mejor inserción en el mercado.
  • Cooperativas de Trabajo: la forman trabajadores que ponen en común su fuerza de trabajo para llevar adelante una empresa de producción tanto de bienes como de servicios.
  • Cooperativas de Provisión: la integran asociados que pertenecen a una profesión u oficio determinado.
  • Cooperativas de Provisión de Servicios Públicos: los asociados son los usuarios de los servicios que prestará la cooperativa (energía, agua, teléfono, internet, gas, etc.).
  • Cooperativas de Vivienda: los asociados serán aquellos que necesitan una vivienda, a la cual pueden acceder en forma asociada, por autoconstrucción o por administración.
  • Cooperativas de Consumo: son aquellas en las que se asocian los consumidores, para conseguir mejores precios en los bienes y artículos de consumo masivo.
  • Cooperativas de Seguros: prestan a sus asociados servicios de seguros de todo tipo.
  • Cooperativas de Crédito: otorgan préstamos a sus asociados con capital propio.

BANCOS COOPERATIVOS:

Operan financieramente con todos los servicios ordinarios de un banco.

“Nosotros, desde nuestra experiencia, hemos demostrado que es posible conservar el sentido de lo pequeño y hermoso en una gran escala organizacional. No queremos y no nos gusta que se nos considere pequeños, porque no lo somos” (Carlos Heller, ONU, 2011) (5).

……………………………………………

 

Al decir de Eduardo Galeano(6): “El lenguaje que dice la verdad, es el lenguaje sentipensante. El que es capaz de pensar sintiendo y sentir pensando.”

El lenguaje que nos permite sentir pensando y pensar sintiendo. Ese lenguaje que no separa la razón del corazón.

Sería una forma de decir cooperativa, una forma sentipensante, donde nosotros no separamos la razón del corazón y viceversa, sino que tratamos de emplear un lenguaje distinto, una forma de decirle al mundo lo que somos.

Muchas gracias.

Y que haya una próxima…

 

Lic. Fernando Javier Zuker

 

 

 

 

 

(1) El Centro Cultural de Cooperación “Floreal Gorini” es un centro cultural argentino creado por el Instituto Movilizador de Fondos Cooperativos que actúa como un espacio para facilitar el desarrollo de una intelectualidad crítica, afirmada en los principios y valores de la cooperación.

(2) Floreal Gorini Destacado militante del cooperativismo argentino y del comunismo. Fue dirigente sindical bancario, diputado por el partido comunista en el Frente Grande y gerente general del Instituto Movilizador de Fondos Cooperativos entre 1961 y 1992 y presidente del mismo desde ese año hasta su fallecimiento.

(3) Jean-Louis Laville es profesor en el Conservatorio Nacional de Artes y Oficios de Paris (cnam), catedrático de Economía Solidaria, investigador del Lise (Laboratorio Interdisciplinar para la Sociología Económica, CNRS-cnam) y del IFRIS (Instituto de Investigación Innovación Sociedad de Paris).

(4). The Social Economy : The worldwide making of a third sector Jacques Defourny, Patrick Develtere, 1999.

(5) Carlos Salomón Heller es un cooperativista, político y dirigente deportivo argentino. Fue fundador y presidente del Banco Credicoop y vicepresidente del club Boca Juniors. Es el principal dirigente del Partido Solidario y fue diputado nacional por la Ciudad de Buenos Aires, desde el año 2009 hasta 2017.

(6) Eduardo Germán María Hughes Galeano (Montevideo, Uruguay, 3 de septiembre de 1940 – ib., 13 de abril de 2015), fue un periodista y escritor uruguayo, ganador del premio Stig Dagerman, considerado como uno de los más destacados artistas y pensadores de la literatura latinoamericana.

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