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标题：Cooperativism and Microcredit: an analysis of the participation of cooperatives in the supply of microcredit in Brazil
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作者：Ana Lucia Carvalho Santos ; Elise Soerger Zaro ; José Renato Sena Oliveira 等
期刊名称：Research, Society and Development
电子版ISSN：2525-3409
出版年度：2022
卷号：11
期号：2
页码：1-18
DOI：10.33448/rsd-v11i2.25534
语种：English
出版社：Grupo de Pesquisa Metodologias em Ensino e Aprendizagem em Ciências
摘要：This study analyzes the participation of Brazilian credit unions in the provision of microcredit in the period from 2017 to 2019. The cooperatives belonging to the four main cooperative credit systems in the country were considered: Cresol, Sicoob, Sicredi and Unicred. To meet the proposed objective, a documentary research was carried out as from the survey of secondary data from official agencies, in addition to data from the financial and accounting reports of the analyzed institutions. The literature consulted points out that credit unions have a greater incentive to carry out solidarity credit and microcredit operations, given their social nature. The results presented evidence that the microcredit offer by the analyzed cooperative systems is not very significant, representing, on average, less than 10% of the total microcredit portfolio in the analyzed years. The main conclusion is that most Brazilian credit unions, with the exception of those that compose the solidarity segment, have not had a significant participation in the supply of microcredit. It is hoped that these findings can contribute to the development of policies capable of changing this picture, that is, that these institutions, considered by the literature as the ideal model of organization to operate microcredit, can potentialize actions towards a greater insertion in the supply of microcredit.
关键词：Brazilian Credit Unions;Solidary Credit;Documentary Survey;Accounting Reports;Microcredit.