Spar- und Leihkasse Büdingen

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The Spar- und Leihkasse Büdingen was founded on September 15, 1840 and converted in 1903 into the Bezirkssparkasse Büdingen . This merged in 1942 with the district savings banks Nidda , Ortenberg and Schotten in the Kreissparkasse Büdingen . Kreissparkasse Büdingen merged in 1990 with the Sparkasse Friedberg for Sparkasse Wetterau , these joined in 2006 with the Sparkasse Vogelsbergkreis for Sparkasse Oberhessen together.

history

On June 11, 1834, a general assembly took place in the town hall to establish an “association for the savings and loan fund” for the Büdingen district . As a result of the meeting, a committee headed by District Administrator Christoph Christian Hoffmann was appointed as director and Hereditary Count Ernst Kasimir von Ysenburg as honorary chairman, which was supposed to work out the preparations for the establishment of the Sparkasse. Three years after its founding, the committee published the draft of the 105 paragraphs "Statutes of the Sparkasse und Kredit-Anstalt for the Büdingen District" in five sequels in the "Gemeinnützige Wochenblatt".

The purpose of the savings and loan fund is anticipated in the preamble to the draft statutes:

“For a number of years in many districts of the provinces of Starkenburg and Upper Hesse, savings and loan banks have come into being, which, enjoying an important credit everywhere, have proven to be beneficial for the prosperity of a large part of the residents. - Small savings are often not made simply because they cannot be invested in an interest-bearing manner.
This is helped by a savings bank, which it also pays interest on small deposits, thus encouraging people to save, but this can often turn small things into big things and a little into many things, as experience has shown in many ways. Others are in the case of borrowing and here, too, a credit fund comes in, as it is intended in the local district, helping on the one hand, and bringing true blessings on the other.
It helps by making it possible for those seeking advances to satisfy their needs without falling into the hands of usury and without having to pay excessive interest in one way or another which disrupts the financial situation. -
But it brings a blessing, a great blessing, by allowing the debtors, indeed forcing them, to pay off the capital even in small pieces and thereby to free themselves from debt within a certain, not too long period of time, while otherwise the debtors Debts, especially since small installments are rarely accepted, are often passed on to children and grandchildren.
As a result, the debtors of the cash register are encouraged to make at least small savings and to invest these profitably at the cash register by writing them off from their debt. "

The draft was then submitted to the Grand Duke of Hesse's Ministry of the Interior and Justice for approval. There, in particular, the provision of the guarantee, which was rated as inadequate, gave rise to complaints, which were limited to the liability of the committee members. However, the ministry wanted the municipalities of the district as guarantors of the fund to be established.

Negotiations were carried out with the community councils until 1840, who, out of caution, were often reluctant to decide to join the community. A new draft of the statutes was drawn up and confirmed by the general assembly of 33 communities on September 15, 1840. The necessary guarantee documents from most municipalities were available in November and December when the Ministry of the Interior approved the statutes on January 19, 1841. The municipalities of Burgbracht (April 20, 1842), Rinderbügen (1843), Aulendiebach (1849) and Heegheim (1865) joined the savings and loan fund with a delay. Admission of the municipality of Wernings was ruled out in advance, as it emigrated as a group in 1842.

On May 5, 1841, the savings and loan fund was able to start its activity in the apartment of the computer, Police Commissioner Friedrich App. According to the statutes, the director and supervisory officer of the savings and loan fund was the Grand Duke of Hesse's district councilor in the Büdingen district. The director appointed a secretary who was responsible for him. The director was supported by a committee consisting of three permanent and three non- permanent members. Permanent members were the Grand Ducal District Judge or one of the two Grand Ducal District Court Assessors, the Grand Ducal Tax Commissioner and the Princely Chamber Director. The three inconsistent members were elected by the mayors as representatives of the municipalities involved. The computer and controller had to be resident in Büdingen, and the computer also had to provide a deposit.

The payment of the community shares in the fund of the cash register was hesitant. Only after repeated public reminders did the municipalities make the agreed payments. According to the number of souls in the individual municipalities, 15,000 guilders were to be raised from class I or II of the municipal property, in cash against 4% interest or as security in real estate in double the amount owed to them . Furthermore, the fund should be topped up with small savings made by day laborers, children, servants and other people, as well as gifts. Since the fund charged 1½% more interest than it paid, a reserve fund of 10,000 guilders was to be accumulated and further income to flow to the communities.

The interest on deposits was accepted in any amount, but only from five guilders interest at 4%. Loans could be taken out by residents of the district for 5½% interest and 2% repayment if the borrower could show a good certificate from the local board and offer sufficient collateral. From a credit of 150 guilders a guarantee from the responsible local board was required, larger loans were secured by judicial obligations against double pledging of real estate. The calculator app moved to the house of the widow Reifschneider on October 22, 1842, and with it the cash register. Payday was always on Thursdays.

As early as 1818, an inspector Keller at the Büdingen Armenkasse , also known as the Kirchen Almosenkasse , had set up a “Sparkasse”, which was operated and supervised by the Grand Duke of Hesse . The membership of this savings bank consisted essentially of higher officials who had come together in an association. With the start of work at Spar- und Leihkasse Büdingen, the Sparkasse of the Armenkasse was dissolved.

With the contributions of the municipalities and differently sized capital contributions and small savings capital from 143 private individuals, the Sparkasse was able to point to a capital stock of 12,839 guilders at the end of 1841. The number of debtors was 173 at the end of the year. In the second year of its existence, the Sparkasse recorded income of 31,000 guilders and in the third year of 41,000 guilders. Due to bad harvests and price increases, the income decreased. In 1848 the income was only 23 399 guilders. Savings deposits also fell from 12,000 in 1841, 28,000 in 1842 and 36,000 in 1843 to 1848 to 7,941 guilders. At Spar- und Leihkasse Büdingen, the passive capital exceeded the active capital for several years.

Personal details

Directors

  • District Administrator Hoffmann (1840–1845)
  • District Councilor Spamer (1840–1848)
  • District Judge Wegelin (1848–1855)
  • Government Councilor Follenius (1856–1872)
  • Kekulé County Council (1872–1877)
  • District Councilor Privy Councilor A. Klietsch (1877-1891)
  • District Judge Seeger (1994)
  • Mayor Knaf (1894)
  • Chamber Director Korell (1894–1908)

computer

  • Police Commissioner Friedrich App (1840–1863)
  • District Office Assistant Bömelmann (1864–1871)
  • Wilhelm Reutzel (1872-1894)
  • Friedrich Türck (1895–1925)

Inspectors

  • Dittmar (1841)
  • A. Rosenthal (1842–1844)
  • High school teacher Gambs (1844–1850)
  • Teacher Fix (1850–1873)
  • District office clerk Reitz (1873–1884)
  • Geometer L. Eberhardt (1884–1886)
  • Friedrich Christian Türck (1886–1888)
  • Georg Appel (1888–1916)

literature

  • 100 years of Bezirkssparkasse Büdingen: 1840–1940 , memorandum, Karl Heuson, Büdingen 1940
  • At uus dehaam: 150 years of Kreissparkasse Büdingen in Nidda (Wetteraukreis) 1833–1983 , Walter Brühbach, Klaus-Dieter Gröb, Wolfgang Steiper, Werner Weitzel, Nidda 1983
  • The Mathildenstift in the Wetterau: Sparkasse history and regional history , Marcus Gräser. Society for Hessian Economic History, Darmstadt 1995, ISBN 3-9804506-0-0

Individual evidence

  1. ↑ Gemeinnütziges Wochenblatt , No. 49 (pp. 197, 198) of the 9th, No. 50 (pp. 201, 202) of the 16th, No. 51 (pp. 205–207) of the 23rd and No. 52 ( Pp. 209, 201) of December 30, 1837 and No. 1 (pp. 3–6) of January 6, 1838.
  2. ↑ Non-profit weekly newspaper No. 49, p. 197 of December 9, 1837.
  3. ↑ Heuson, p. 9; Grasses, pp. 7, 8.
  4. ↑ Gemeinnütziges Wochenblatt No. 19, p. 77 of May 8; No. 21, p. 89 of May 22nd and No. 22, p. 93 of May 29, 1841.
  5. ^ Heuson, p. 10.
  6. ↑ Statutes 1840, §§ 3, 5 S. 3 and 5f.
  7. ^ Heuson, p. 9.
  8. ^ Heuson, p. 13.

Remarks

  1. ↑ Since 1822, 35 Ysenburg villages have belonged to the district and regional court district of Büdingen: Altwiedermus , Aulendiebach , Bindsachsen , Bösgesäß , Büches , Büdingen , Burgbracht , Diebach a. H. , Düdelsheim , Dudenrod , Eckartshausen , Hain Gründau , Heegheim , Himbach , Hitzkirchen , Illnhausen , Kalbach , Kefenrod , Langen-Bergheim , Lorbach , noted Fritz , Michelau , Mittelgründau , Niedermockstadt , Obermockstadt , Orleshausen , Pferdsbach , Rinderbügen , Rohrbach , Staden , Stockheim , Vonhausen , Wenings , Wernings and Wolf .
  2. ^ The Count of Ysenburg-Büdingen had renounced his patronage rights, including the right to appoint the district administrator, by contract of December 7, 1835 and January 12, 1836. This allowed Hoffmann to hold the official title of Grand Duke Hessian District Councilor of the Büdingen district since May 31, 1837 .
  3. ↑ Suburb No. 21