Cooperativismo de crédito: o crescimento desse novo modelo de instituição financeira no Brasil

Abstract

Credit cooperativism consists of cooperation, mutual assistance between those involved in a given process, in which a member is also the owner, he has power over the institution, whether he is a high-income member or not. This scientific research concerns the growth of credit cooperatives in Brazil, the historical context from the perspective of its emergence, where it began and why this model of financial institution was created. To carry out this project, a bibliographical review and analysis of reports published by the Central Bank of Brazil were carried out, which made it possible to measure the main important variables in the growth of credit cooperatives. Furthermore, this study addresses the main differences between a traditional commercial bank and a credit union, and the benefits of becoming a member. With this study, we can conclude that in the last six years credit unions have increased the amount of their assets, increased their structural expansion which generated an evolution in the number of their customers/members, and this was possible thanks to their regulation by Bacen, thus cooperatives began to offer the same financial products and services as other commercial banks.