O Cooperativismo de crédito no Brasil: a atuação do Sicredi para o desenvolvimento regional

Abstract

The first chapter of this work focuses on presenting a historical basis of cooperativism in the world, initially dealing with the emergence of the first formal cooperative made up of English artisans who became known worldwide as the Rochdale Pioneers. The influences, principles, achievements and teachings left by the Rochdales will also be analyzed in the sequence, as well as which bodies were fundamental for the initial rise of this model called cooperativism. By the second the arrival of these credit cooperatives to Brazil, in which it was initially strongly promulgated by European immigrants, as in the case of the first Brazilian credit cooperative created in 1902 by the Swiss priest Theodoro Amstadt, we will verify the difference between credit unions and banks and the advantages and norms that govern credit cooperatives. In the final part of this chapter we will also present a number of how these cooperatives are developing in Brazil and increase their participation in the National Financial System, exemplifying the case of the Sicredi Credit Cooperative. It will be fair an analysis associating cooperativism in international relations, through liberal theory. In the third and last, we will present the regional importance that these cooperatives have in their states, with emphasis on credit cooperatives in the state of Mato Grosso do Sul, and for that purpose, presenting data from credit unions in South-Mato Grosso linked to the system Sicredi, more specifically with the credit cooperative Sicredi Centro-Sul MS, which operates in 23 municipalities in the conesul region of the state. Finally, we present the return it has given to its region, whether through the supply of products, distribution of leftovers or social programs developed by Sicredi Centro-Sul MS.