constituted a mixture of characteristics of Schulz and Raiffeisen cooperative banking and which accepted members from all social classes; agricultural savings and loan coopera- tives, referred to as Kasa Stefczyka; and savings and loan cooperatives for public officials and for workers66. In 1964, at the third assembly of delegates, the Savings and Loan Cooperatives Associa- tion s name was changed to Central Savings and Loan Cooperatives Association (Centralny Związek Spółdzielni Oszczędnościowo Pożyczkowych)67. The Central Savings and Loan Cooperatives Association represented the interests of lending cooperatives, coordinated their operations, and served as instructional and control authority. The Association s Self- Government encompassed the national assembly of delegates which was an equivalent of the members general assembly, the supervisory board which served as instructional and control authority, and the management board which served as the Association s executive authority. Province branches had province councils and delegates assemblies68. Unfortunately, as of 1961, independence of the Association and the cooperatives in terms of their financial management, including the management of self-assistance funds, was being gradually restricted. This was partly attributable to losses generated by coopera- tives which were covered by state subsidies in the form of financial assistance to small farms. As of 1965, the cooperatives own lending activities were once again included in

66. F. Skalniak, History of Polish Cooperative Banking (Zarys historii polskiej spółdzielczości), Kraków 1992, p. 47.

67. SOP Manual 1964, no. 6, p. 2.

68. Cooperative Banking (Spółdzielczość bankowa .), p. 88.

ZDJĘCIE ZROBIONE PRZY BIURKU GŁÓWNEJ KSIĘGOWEJ W DZIEŃ

KOBIET. NA ZDJĘCIU: MARIANNA KRÓL, GŁÓWNA KSIĘGOWA ZOFIA

PYZA, JADWIGA SZCZAWIŃSKA ORAZ KRYSTYNA ROMANOWICZ

8 MARCA 1969 R.

PICTURE WAS TAKEN BY THE MAIN ACCOUNTANT DESK DURING THE

WOMEN S DAY. IN THIS PHOTO: MARIANNA KRÓL, MAIN ACCOUNTANT

ZOFIA PYZA, JADWIGA SZCZEWIŃSKA AND KRYSTYNA ROMANOWICZ

- 8TH OF MARCH 69

132 T H E H I S T O R Y O F B G Z