Cooperation of producers is essential in agricultural production. The producer group is the official organization of the European arable sector. The Bonusz Agro producer group was established in 2015, and its legal form is cooperative. They use cooperative principles such as the democratic decision-making process ‘one member – one vote’ principle for both significant and insignificant decisions, unlike some other cooperatives. The management of the cooperative is considering investing in a new industrial site. This new site will be for cleaning/drying the produce, and storing it in a new storage facility, among other things. The company currently lacks sufficient financial resources to make this investment possible. One of the obstacles to obtaining the necessary finances is the lack of collateral the organization has control over. This case study examines the investment decision. The main focus is on how the organization can enlist the contribution of all members. The most delicate part of the decision-making dilemma is that all members would have to offer some of their own assets as collateral. These assets would be part of their agricultural land, which is necessary to obtain the required external financial resources from banks.

中文翻译：

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Bonusz农业合作社：贷款选择

生产者的合作对农业生产至关重要。生产者组织是欧洲耕作部门的官方组织。Bonusz农业生产者组织成立于2015年，其法律形式为合作社。与其他一些合作社不同，他们对重要和无关紧要的决策都采用民主合作决策原则“一人一票”的合作社原则。合作社的管理层正在考虑投资新的工业用地。这个新站点将用于清洁/干燥农产品，并将其存储在新的存储设施中。该公司目前缺乏足够的财务资源来进行此项投资。获得必要资金的障碍之一是组织无法控制的抵押品。该案例研究检查了投资决策。主要重点是组织如何争取所有成员的贡献。决策困境中最微妙的部分是，所有成员都必须提供自己的一些资产作为抵押。这些资产将是其农业用地的一部分，这对于从银行获得所需的外部金融资源而言是必不可少的。