Gestão de negócios em cooperativas de crédito: evolução e contribuição na região Oeste de Santa Catarina, 2016-2021

Abstract

Credit cooperatives have been growing significantly in recent years, as the great differential of cooperatives is the way they operate, as all profit is distributed to members according to the movement in the current account and makes the local economy where it operates move. The present work aims to analyze the evolution, performance and performance of credit unions belonging to the five micro-regions of Western Santa Catarina: Chapecó, Concórdia, Xanxerê, São Miguel do Oeste and Joaçaba, in the period from 2016 to 2021. the established objective was used the methodology of applied research, quali-quantitative and of the descriptive type, besides, it was also used bibliographical research, documental and socioeconomic data made available by the Central Bank of Brazil. Throughout the four chapters, in addition to the introduction, a literature review is presented, where credit cooperatives and the national financial system and the contribution of credit cooperatives to regional development were addressed, the methodology used for the development of the work, the analysis of the obtained results and the final considerations. As main results, it was observed that the micro-regions of the West of Santa Catarina followed the evolution of credit unions at state and national level, making use of strategies for prospecting the business public, opening new service points and incorporating units, aiming at gains in scale and efficiency. It was also found that the economicfinancial performance of regional cooperatives was below the state average, which may be related to the institutions' credit policy, greater activity in social projects, profile of the management of customer portfolios, among other aspects.