Análise do cooperativismo de crédito: um comparativo entre Brasil e Alemanha

Abstract

The objective of this work is to portray aspects of the cooperative credit sector, conducting a comparative institutional analysis of cooperatives in Brazil and Germany . The choice of this theme is based on the performance of the credit union in the world , especially in developed economies . The justification is based on the German model is due to the fact that the efficiency and effectiveness achieved by cooperative that country, considered the cradle of the cooperative, which allowed not only meet the above classes, as well as all other components of the pyramid, to the point serve as a benchmark for financial transactions within their scope of practice. The research has raised historical data of cooperatives in the world since the onset to the performance of the system today. The study aims to demonstrate that this model of promising organization has the potential to perform numerous entrepreneurial initiatives and suggest new possibilities for the Brazilian credit cooperative that can achieve greater participation in the National Financial System and the population. Another issue is to determine the numbers and trends, representation and contribution of each system credit to your country, within the endogenous and exogenous aspects and their economic, cultural particularities, the social context and positioning relative to other global players. To this end, the expectation of the job is to instigate, albeit superficially, elements of discussion and developments which may serve to promote and increase the ideals cooperative in Brazil. The methodology was qualitative, descriptive, exploratory and explanatory nature. Secondary data were drawn from books, academic articles, websites and documents, while primary data specifically on the German credit cooperatives were collected with institutions in Germany: Akademie Deutscher Genossenschaften (ADG); the Deutscher Genossenschafts und RaiffeisenverBank e. V.. (DGRV; the Bundesverband der Deutschen VolksBank und RaiffeisenBanken e. V. (BVR; the DZ Bank. The results show that the cooperative movement in Brazil has solid structure and principles that can be realized intercooperation with Germany, whose development achieved is explained in general terms, by the rationality of its structure, efficiency of its control system, management focused on results with low government interference and cultural aspects aimed at the common welfare of the members, instead of the principle of competitiveness.