Cooperativas de crédito e bancos: uma análise comparativa envolvendo a percepção dos cooperados/correntistas sobre o ser cooperado ou não

Abstract

This paper presents a comparison between credit unions and banks, with a view to highlighting the perception of being cooperated or not, as well as exploring the interviewees' understanding of Capital Quota, Educational and Social Technical Assistance Fund (ESTAF), and their rights and duties in the two financial institutions. The credit union have been growing over time, as it is different from traditional banking institutions, as it is not aimed at profit, but rather at delivering cooperative value to its users. In that case, the return of the value of the cooperative is linked to the mission of valuing the relationship with the cooperative member. To achieve the proposed objective, the descriptive research methodology was used, developing a case study with a quantitative and qualitative approach. The collection of information was obtained by applying questionnaires to the cooperative members of Cooperativa Cresol (credit union) and Banco do Brasil (bank), in the city of Nova Bassano - RS. The results obtained indicated the need for the cooperative to invest more in the cooperative education of its members. The research showed, based on the interviewees' considerations, that being cooperated is relevant and that there is a difference between a cooperative and a bank. The research had limitations related to identifying the effective use of ESTAF by Cooperativa Cresol, since the questions in the questionnaire did not directly relate this issue. It is suggested, for future studies, more research that can relate other credit unions and banking institutions, or even build comparisons only between credit unions. [resumo fornecido pelo autor]