ANÁLISE SOBRE O COOPERATIVISMO DE CRÉDITO: COMO ESSAS ORGANIZAÇÕES PODEM CONTRIBUIR PARA O DESENVOLVIMENTO ECONÔMICO E SOCIAL DAS REGIÕES EM QUE ATUAM

Abstract

The general objective of this study was to analyze and characterize credit cooperatives in Brazil and to verify how these organizations can influence local development through the credits that are released for companies to promote the business market, and, mainly, by investing in the social and economic sphere. Consequently, to analyze three cities in the state of Mato Grosso do Sul/MS, seeking to justify the relevance of these organizations for the regional growth of the locations present. A credit cooperative is a financial institution formed by a group of people who come together to save and lend resources to each other for mutual benefit. They operate on a democratic and non-profit basis, providing services such as accounts, loans and investments at more affordable rates, promoting financial inclusion and development. For the appropriate research, data available on the Panorama do Sistema Nacional de Crédito Cooperativo website were used, in addition to data from the Central Bank of Brazil, IBGE and FIRJAN. The cities analyzed were Paraíso das Águas, Campo Grande and Chapadão do Sul. The results showed a high impact of cooperatives on the development of the regions, with an increase in GDP per capita, growth in the number of jobs and entrepreneurs and a high income multiplier. In addition, a high correlation was found between the number of cooperatives installed in the municipalities and the IFPM, which shows that, in fact, there seems to be a positive impact of these cooperatives on municipal development. The study concluded that cooperatives are extremely important in the regions where they operate and, therefore, the increase in branches and cooperative members should be encouraged.