Keyworlds: Terеk Area, cooperation, credit partnerships, loan-savings partnerships

The article characterizes the types and forms of cooperation in the Tersky Area in 19th – early 20th centuries: the credit (loan-savings and credit partnerships, country banks), consumer’s (consumer’s societies), and manufacturing (partnerships and artels) ones. Cooperation was an effective way to mobilization of internal abilities of regional society for mobilization of economic, stimulation of people initiative as a base of civil society.