Análise da dominação de membros tomadores ou poupadores de recursos nas cooperativas de crédito mineiras

Abstract

O objetivo deste estudo foi identificar o comportamento de dominação no sistema Sicoob-Crediminas do estado de Minas Gerais. Cooperativas dominadas por tomadores são aquelas que oferecem baixas taxas de juros para empréstimos e baixas taxas para poupança, ao passo que cooperativas dominadas por poupadores praticam taxas mais elevadas, tanto para poupança quanto para empréstimo. Nesta perspectiva, os resultados do estudo indicam que o sistema Sicoob-Crediminas é dominado por membros tomadores, apresentando melhores taxas de empréstimo e poupança se comparadas às taxas praticadas pelo sistema bancário.<br>The aim of this study was to identify the dominance behavior in credit unions affiliated to the Sicoob-Crediminas system in Minas Gerais state, Brazil. Borrower-dominated unions are those that offer low borrowing rates and also low saving rates, while saver-dominated unions practice higher rates for savings as well as for loans. The results indicate that Sicoob-Crediminas unions are dominated by borrowing members, with better savings and loan rates, in comparison to the rates committed by the banking system

Sustainable finance: The role of savings and credit cooperatives in Ecuador

“…Within these potentially unbalancing elements, research has analyzed how certain endogenous variables (such as the age of the credit and saving cooperative, its size, the average monetary volume of loans and savings per member, net income distribution, etc.) can affect whether the credit and saving cooperative is neutral or not (Bressan et al, 2012). In addition to these factors, there are also exoge-nous variables that may affect this equilibrium.…”

“…Thus, neutrality is less likely to generate incentives for credit and savings cooperatives to discourage the entry of new members and, therefore, helps to keep the institution active (McKillop & Wilson, 2011). So, the way for a dominated credit and savings cooperative to function would be with membership restrictions (Bressan et al., 2012), This dominance may affect the level of competitiveness of cooperatives, as saver‐dominated cooperatives tend to set higher interest rates on loans, while lower rates are observed in borrower‐dominated cooperatives. Consequently, there are several reasons to assume that savings and credit cooperatives that maintain their cooperative values should behave neutrally.…”