Abstract
As a social movement, Credit Unions (CU) display the social, economic and
 cultural strength of little people. In line with contemporary developments and the
 advance of modern technology, the management of CUs needs to be monitored,
 evaluated and adapted to the social, economic and political situation that is
 continually changing. Nevertheless, in the midst of change the values of the CU
 are perennial and are very much needed in the movement. After looking at the
 founding and development, strengthens and weaknesses of the CU, this essay
 advances concrete steps for handling them.
 
 <b>Kata-kata kunci:</b> CU, gerakan sosial, kesejahteraan, pembudayaan
 nilai-nilai, keadilan, kearifan, keberanian, kejujuran dan tanggungjawab,
 tantangan-tantangan CU.
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