Margaret Lund

Margaret Lund was chair of the cooperative capital task force and was executive director of Northcountry Cooperative Development Fund until 2008.

    Author's Articles

    Title Issue Date
    Multi-stakeholder Cooperatives and Consumer Co-ops
    BY Margaret Lund, Margaret Bau

    Multi-stakeholder cooperative governance may not be familiar to many in the U.S.

    		 March 15, 2017
    Understanding Financial Ratios
    BY Scott Beers, Margaret Lund

    This month we study a case example of how the ratios presented in Cooperative Grocer can be used to analyze a co-op's financial position and direction.

    		 074 January - February - 1998 May 10, 2011
    Cooperative Finance: Discounts Provoke Discussion!
    BY Scott Beers, Margaret Lund

    Editor's note:

    		 064 May - June - 1996 December 28, 2010
    Investing in the Cooperative Economy
    BY Margaret Lund

    Food co-op members know how important it is to “source” a product.

    		 127 November - December - 2006 January 20, 2009
    Task Force Eyes Cooperative Equity Fund
    BY Margaret Lund

    Too many times, we have watched co-op borrowers valiantly launch expansion projects, only to struggle with the load of debt required to finance the quality of store demanded by today’s natural food

    		 129 march - april - 2007 January 20, 2009
    Fair Trade Finance: Where Is Your Money?
    BY Margaret Lund

    Bear Stearns. UBS.
    Bank of America.
    Morgan Stanley.
    Merrill Lynch.

    		136 may - june - 2008 January 19, 2009
    Financial Planning: A Context in Which to Measure Performance
    BY Scott Beers, Margaret Lund

    Planning is about thinking of what you would like to have happen and then making an educated guess about what is likely to happen in the marketplace and wha

    		 066 September - October - 1996 January 9, 2004
    Member Discounts
    BY Scott Beers, Margaret Lund

    Did you know that giving member discounts is not one of the cooperative principles?

    		 063 March - April - 1996 January 9, 2004
    Using the Spreadsheet Template
    BY Scott Beers, Margaret Lund

    Creating a good template for financial planning is an investment on the co-op's part -- a darned good one.

    		 067 November - December - 1996 January 9, 2004
    Dealing With Risk
    BY Scott Beers, Margaret Lund

    Like the 2,000 pound gorilla at a small party, whether you choose to acknowledge it or not, risk is always present, just standing there at the pretzel bowl

    		068 January - February - 1997 January 9, 2004
    Translating Operations into Financial Statements
    BY Scott Beers, Margaret Lund

    Good systems show themselves by not showing themselves at all. In a well run store, product, people, and purchases flow in and out in a seemingly effortless ebb and flow.

    		 069 March - April - 1997 January 9, 2004
    Economics 101: Sunk Costs and Opportunity Costs
    BY Scott Beers, Margaret Lund

    We think every day about what it costs to do different things -- 89 cents to buy a pound of organic bananas, seven dollars to see "Lethal Weapon 4," etc.

    		 079 November - December - 1998 January 9, 2004
    Raising the Stakes?
    BY Scott Beers, Margaret Lund

    The ability to raise capital -- to collect a little bit from a lot of people and build something greater than anybody's bit could have built alone -- is one of the great strengths o

    		 076 May - June - 1998 January 9, 2004
    Finance Committee Finesse
    BY Scott Beers, Margaret Lund

    By Scott Beers and Margaret Lund

    One of the absolutely vital committees of any co-op board is the finance committee.

    		 075 March - April - 1998 January 9, 2004
    Crafting Cash Flow Budgets
    BY Scott Beers, Margaret Lund

    Profit alone does not guarantee success or even survival.

    		 085 November - December - 1999 January 8, 2004
    Retained Earnings or Returned Earnings?
    BY Scott Beers, Margaret Lund

    Ask co-op members anywhere, "What's the purpose of this co-op, anyway?" and you'll likely get some variation of the answer, "To serve the members." Ask them how best to do that, how

    		 080 January - February - 1999 January 8, 2004
    Building Relationships With Financial Partners
    BY Scott Beers, Margaret Lund

    A relative recently gave one of us a book of pithy personal advice with the humble title of "How to do Everything Right" (we won't dwell on the reason for this particular gift).

    		 084 September - October - 1999 January 8, 2004
    Co-op Legacy
    BY Scott Beers, Margaret Lund

    Legacy is the challenge of having the thrust of your life or your organization's be perpetuated beyond an individual lifetime.

    		 081 March - April - 1999 January 8, 2004
    Space Case: Make It Count
    BY Scott Beers, Margaret Lund

    Look down -- you may be standing on a gold mine. Then again, your facility may be just a black hole you throw money down once a month.

    		 082 May - June - 1999 January 8, 2004
    How Much Can I Borrow?
    BY Scott Beers, Margaret Lund

    Every lender probably has experienced some version of the following exchange:

    		 086 January - February - 2000 January 8, 2004
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