The term "Schulze-Delitzsch" refers to a cooperative banking model developed by German politician and social reformer Hermann Schulze-Delitzsch in the 19th century. This model aimed to provide financial services to small businesses and the working class, promoting economic self-help and mutual support. It emphasized the importance of local community involvement in banking. Schulze-Delitzsch's approach led to the establishment of numerous credit unions and cooperative banks across Germany. These institutions focused on providing affordable loans and fostering savings among members, thereby enhancing financial stability and encouraging entrepreneurship within communities. The model has influenced cooperative banking systems worldwide.