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Character representing the co-financing journey


Course 2 | Co-realize

Understand and implement the financial mechanisms of the SAS Cooperative

Conditions and prerequisites
Collective made up of at least 3 people
Be a member of the Les Pas-Sages association.
Have completed the Co-create module



We have developed a path in two STEPS for each of which there are:

  • STEPS - videos to watch

  • STOPOVERS - activities to do

  • a collective EXCHANGE TIME with a support person - a live question/answer webinar .

Character taking the first step of the co-financing journey

FIRST STEP: The CCA contribution agreement
(Associates Current Account)

  • The contract between the cooperative and the partners

  • Contributions and reimbursements of associates

  • Commitments and guarantees provided to partners

  • Impact of inflation on the project

  • Possibility of indexation and its consequences on rents

  • Additional Monthly Savings (EMC)

  • Loan or solidarity contributors.

Character taking the second step of the co-financing journey

SECOND STEP: Deepening financial mechanisms

  • Advantages and disadvantages of bank credit.

  • Composition of monthly payments to be paid to the SAS Cooperative

  • Basic notions of accounting: the income statement and cash flow

  • Practical case of an eco-place: determination of rents

  • Importance and operation of the reserve fund

  • Possibilities of exchanges without currency

  • The dynamics of contributors: how to bring them in and reassure them.

Accompanied member access

At the end of the support, access to “Co-Finance Space” with:

    The visual supports of the presentations used in the videos.

  • The latest versions of the models to personalize:

    • Associate Current Account Contribution Agreement

  • Cooperation forums between schools on these themes:

    • Associate Current Account Contribution Agreement

    • Financial Mechanisms.

Characters included in the accompanied members

Format and terms

This is an online learning path via the Pas-Sages platform, with:

  • Educational content videos with simple and clear language

  • Fun activities to better integrate knowledge

  • Question/answer webinars with a Pas-Sages guide

  • Downloadable document templates

  • Visual memos of video presentations

  • And forums for cooperation between students

Note: each person has individual access to the platform and can complete the course at their own pace within the collective time allotted.

Reception hall les Pas-sages


Every Tuesday 7:00 p.m. | 8:00 p.m.

Do you have questions about our support? On our cooperative model? Do you want to carry out a collective project?

Join us on Zoom for a friendly meeting where we will discuss the keys to cooperation and collective housing. Everyone is welcome, whether you are already introduced to the concept or are just discovering this exciting world of cooperative housing.

All you have to do is bring your curiosity, we'll take care of the rest!

Zoom meeting icon

Room 84704352235 Code 007

On Zoom

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