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S-Group : ウィキペディア英語版
S Group

The S Group ((フィンランド語:S-ryhmä), (スウェーデン語:S-gruppen)) is a Finnish retailing cooperative organisation with its head office in Helsinki.〔"(Contact information )." S Group. Retrieved on 28 September 2012. "Fleminginkatu 34"〕 Founded in 1904, it consists of 22 regional cooperatives operating all around Finland in the markets for groceries, consumer durables, service station, hotel and restaurant services, agricultural supplies, and car sales. The full formal name of the nationwide cooperative organisation is ''Suomen Osuuskauppojen Keskuskunta'' (SOK).
The group has businesses in Finland, Estonia, Latvia, Lithuania and Russia.
The organisation's loyalty card is called ''S-Etukortti''. It is engaged in close competition with Kesko, with which it shares an oligopolistic position in many of the markets it operates in.
== Ownership ==
A client can invest a small sum on the local co-operative and become a client-owner. (The exact sum is decided by the local co-operative board and varies significantly depending on local conditions.) A client-owner gets a membership card, ''S-Etukortti'', which functions as a debit or credit card and gives access to special client-owner bargains. For the sums spent in S Group stores, ''Bonus'' is paid back to the client into the account at S-Bank. The ''Bonus'' percentage varies from 1% to 5% depending on the sum spent. S-Bank pays an interest that is competitive with interests paid by general banks into savings accounts. ''S-Etukortti'' is not a regular "loyalty card" as it represents actual monetary investment and the return is formally profit, not discount.

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
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