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Credit Unions are not for profit institutions. They are mutual, co-opera

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

tive societies which are governed by a volunteer Board of directors elec

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

ed each year from the membership. Irrespective of how much you have in s

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

avings you are only entitled to one vote at the AGM. You must become a f

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ll member of a Credit Union in order to save with it

How does a Credit

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

Union differ from traditional financial institutions like banks and buil

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ing societies? The main difference is that members actually own the cred

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

it union of which they are a member. It is a co-operative institution an

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

as such it is able to set its own interest rates. The ability to set it

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

s own rate often results in a higher dividend (interest rate) and a lowe

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

charge on borrowings. Like all institutions the credit union needs to m

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

ke a profit in order to pay staff wages, heat and light, mortgages, and

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

so forth

To become a member of a credit union you have to be within a '

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ommon bond' area. A common bond area could be physical e.g. people withi

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

n a certain building or company. It could be geographical e.g. people li

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

ing within a certain town or distinct area. Many credit unions have outr

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

each programs into schools.

Some major credit unions are now starting t

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

offer the same services as mainstream financial institutions like chequ

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

e accounts, credit cards. As a not for profit organization credit unions

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

have a better tax structure than other institutions in the money markets

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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