Abstract
The purpose of this paper is to clarify the meaning of consultation and lending service by co- operatives in welfare society. I confirm features of lending service by co-operative union as compared to pubic lending service for poor people in Japan and Grameen microcredit model. This paper reveals two contributions of this lending service:(1)this service contribute financial inclusion for poor people;(2)this service builds reciprocal relationship and provides the social bases of self-respect as it is similar to Mauss’s gift giving theory.
