Cooperativas de crédito: a evolução dos principais sistemas brasileiros com um enfoque em indicadores econômico-financeiros

Abstract

The credit cooperatives are distinguished in the social and economic context of Brazil, as way of access to the microcredit. The general objective of this article is to describe the evolution of the three main systems of brazilian cooperatives of credit (SICOOB, SICREDI, UNICRED), by means of some variable economic-financiers, with data consolidated in National Financial System - SFN, between 2000 and 2004. Thus, it is a quantitative research where these variable had been studied by classification order, according to performance of these systems in the period, evidencing which of these presented greater evolution. One confirmed that the SICOOB is the greater of the systems of the branch credit of the country, however, having as reference the pointers analyzed in the period, were the SICREDI that had the best performance, with growth above of the others two systems, in this period. And, was view that these cooperatives leverage the operations of the associates and, can fill the gap of the microcredit for the families, generating jobs and wealth.