Cooperativismo de crédito, intercooperação e performance econômica: o Sicredi (Brasil)
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2014-08-25
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O cooperativismo de crédito atravessou séculos e atualmente se encontra, relativamente, robusto e competitivo em vários países. Sua força se deve, principalmente, aos seus princípios universais que não “envelheceram”, pelo contrário, estão muito atuais e alguns vêm ganhando força como método de gestão, inclusive, em instituições não cooperativas. O presente trabalho explana brevemente a respeito das suas origens, na Europa, e a posteriori, sua aplicação no Brasil, onde ganha força através do Sicredi, o qual possui na intercooperação sistêmica sua principal estratégia para aumento de performance. É nesse âmbito que o estudo aprofunda seus esforços, ao apresentar o desenvolvimento do Sistema Sicredi, desde a sua origem, sua trajetória e sua participação atual no mercado brasileiro. Para o efeito, comparamos duas cooperativas de crédito: uma integrante ao sistema e outra singular independente, com atuação livre. Para se estudar as duas, analisam-se os dados consolidados em um determinado período e se agrega entrevista dos Presidentes e Executivos de ambas, construindo ao final uma visão favorável à intercooperação através de um grande sistema como diferencial competitivo em busca de ganho de mercado.
The credit union has existed for centuries and it is now relatively strong and competitive in many countries. Its strength is mainly due to its universal principles that do not "aged", by contrast, are very updated and some are becoming stronger as a method of management, even in non-cooperative institutions. This paper briefly explains about its origins in Europe, and subsequently, its application in Brazil, where it gains strength through the Sicredi, which has as its main strategy to increase performance the systemic intercooperation .It is in this context that the study reinforce efforts in presenting the development of Sicredi system since its origin, its history and its current presence in Brazilian market. For this, we compare two credit unions: one which belongs to the system and other unique independent, free acting. In order to study both, we analyze the consolidated data in a given period and we add it to the interview of both presidents and executives, finding, at the end, a favorable view of the intercooperation through a great system as a competitive advantage in search of market gain.
The credit union has existed for centuries and it is now relatively strong and competitive in many countries. Its strength is mainly due to its universal principles that do not "aged", by contrast, are very updated and some are becoming stronger as a method of management, even in non-cooperative institutions. This paper briefly explains about its origins in Europe, and subsequently, its application in Brazil, where it gains strength through the Sicredi, which has as its main strategy to increase performance the systemic intercooperation .It is in this context that the study reinforce efforts in presenting the development of Sicredi system since its origin, its history and its current presence in Brazilian market. For this, we compare two credit unions: one which belongs to the system and other unique independent, free acting. In order to study both, we analyze the consolidated data in a given period and we add it to the interview of both presidents and executives, finding, at the end, a favorable view of the intercooperation through a great system as a competitive advantage in search of market gain.
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Dissertação de Mestrado em Gestão
Palavras-chave
Coorperativismo económico , Métodos de gestão , Sistema financeiro