Transformação econômica e inclusão financeira: o papel das cooperativas de crédito no Brasil

Abstract

This study aims to analyze the importance of credit cooperatives in Brazil, highlighting their role in promoting financial inclusion and economic development, as well as assessing the challenges and opportunities faced by these institutions. The methodology used is characterized as a bibliographical and documentary review, with qualitative analysis of secondary sources such as books, scientific articles, institutional reports and documents from the Central Bank of Brazil. The results show that credit unions in Brazil play a significant role in promoting financial inclusion and the economic development of communities that are underserved by the traditional financial system. They offer access to credit, foster local entrepreneurship and contribute to job and income generation, especially in rural areas. However, cooperatives still face regulatory and structural challenges that limit their potential for expansion. It is concluded that credit cooperatives are essential for building a more inclusive economy and reducing financial inequalities in Brazil, standing out as a viable and sustainable alternative for communities underserved by the traditional banking system.