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L’émergence du banquier itinérant, influence d’une réorganisation territoriale au sein d’une coopérative financière en termes d’isomorphisme et d’isopraxisme : l’expérience de la Nef

Abstract : In a context of increasing competition and international regulation in the banking system, and facing a financial crisis which questions the uses of money, is another way of banking possible? We try to answer this question through the analysis of the case study of the Nef, a little solidarity-based finance cooperative based on an alternative project. The Nef, at first a financial institution which later in 2014 got a banking agreement, grew up over 20 years and professionalised. We identify the various types of isomorphism which marked its trajectory and cause a hybridisation of its cooperative model. We build up and analyse the set up of itinerant bankers as an organisational innovation, in order to reaffirm the cooperative project. As they bring heteromorphism and heteropraxy into the organisation, these itinerant bankers anchor the organisation in its territory and the stakes of its development. Is this experiment a process of cooperative recovery, and will it spread ? We took part and followed the undergoing processes within a 5 year intervention research. Our analysis focuses on isomorphism, proximity and translation in a neo-institutional perspective. Our results show that itinerant bankers set up revitalise the cooperative system and shareholder relations as well as a business growth. Thus the experience show a rebalancing in hybridisation phenomena favourable to the social project and stimulating economic activity. The deployment of itinerant bankers is recent, and will deserve to be studied in its forms of development.
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Béatrice Chauvin. L’émergence du banquier itinérant, influence d’une réorganisation territoriale au sein d’une coopérative financière en termes d’isomorphisme et d’isopraxisme : l’expérience de la Nef. Gestion et management. Aix-Marseille Université, UFR Économie et Gestion; LEST UMR 7317, 2015. Français. ⟨tel-01686365⟩

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