Credit union correspondents and financial inclusion in Brazil: an exploratory study
Autor(a) principal: | |
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Data de Publicação: | 2016 |
Tipo de documento: | Dissertação |
Idioma: | eng |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | http://hdl.handle.net/10438/16392 |
Resumo: | The Brazilian banking correspondent network has been a topic of study for already a decade, due to its well-documented success in improving access to financial services in remote areas. The marginal but growing role of credit unions in the usage of correspondents has not received much attention from academics, despite the appraised importance of credit unions in finance of proximity. This thesis takes a multi-method approach to perform an exploratory research of credit union correspondents in Brazil. The research objective is two-fold, aiming, from one side, at understanding the incentives of credit unions for contracting correspondents and, from the other, at evaluating whether credit union correspondents improve financial inclusion. The research consists of a case study and quantitative analysis of correspondent registration data and credit union financials. The results indicate that generally the largest and most profitable credit unions use banking correspondents in order to improve efficiency and decrease waiting lines, while promoting financial inclusion only in one restricted dimension – bill payment. Nevertheless, in 2014, credit union correspondents had an important role in providing access to payments in 690 municipalities, of which 200 had low financial depth. Despite the scope limitation of credit union correspondents, the results give reasons to believe that these actors could increase their importance in the promotion of financial inclusion in the future. |
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Kalliala, OskariEscolas::EAESPFarias, Lauro Emilio GonzalezDiniz, Eduardo HenriqueChristopoulos, Tania PereiraFarias, Lauro Emilio Gonzalez2016-04-18T12:34:51Z2016-04-18T12:34:51Z2016-03-11KALLIALA, Oskari. Credit union correspondents and financial inclusion in Brazil: an exploratory study. Dissertação (Mestrado Profissional em Gestão Internacional) - FGV - Fundação Getúlio Vargas, São Paulo, 2016.http://hdl.handle.net/10438/16392The Brazilian banking correspondent network has been a topic of study for already a decade, due to its well-documented success in improving access to financial services in remote areas. The marginal but growing role of credit unions in the usage of correspondents has not received much attention from academics, despite the appraised importance of credit unions in finance of proximity. This thesis takes a multi-method approach to perform an exploratory research of credit union correspondents in Brazil. The research objective is two-fold, aiming, from one side, at understanding the incentives of credit unions for contracting correspondents and, from the other, at evaluating whether credit union correspondents improve financial inclusion. The research consists of a case study and quantitative analysis of correspondent registration data and credit union financials. The results indicate that generally the largest and most profitable credit unions use banking correspondents in order to improve efficiency and decrease waiting lines, while promoting financial inclusion only in one restricted dimension – bill payment. Nevertheless, in 2014, credit union correspondents had an important role in providing access to payments in 690 municipalities, of which 200 had low financial depth. Despite the scope limitation of credit union correspondents, the results give reasons to believe that these actors could increase their importance in the promotion of financial inclusion in the future.A rede de correspondentes bancários do Brasil tem sido estudada há mais de uma década, em particular por causa da sua importância no aumento do alcance de serviços financeiros para regiões distantes dos maiores centros urbanos. O uso de correspondentes por cooperativas de crédito não tem recebido destaque, apesar do papel importante das cooperativas na inclusão financeira. Esta dissertação adota uma abordagem 'multimétodo' para efetuar uma pesquisa exploratória dos correspondentes de cooperativas de crédito no Brasil. A pesquisa visa, por um lado, alargar a compreensão dos incentivos que levam cooperativas a usarem correspondentes, e por outro, avaliar se esses correspondentes merlhoram a inclusão financeira. A pesquisa é formada por um estudo de caso assim como por análise de dados relativos ao registro de correspondentes bancários e de dados financeiros das cooperativas. Os resultados apontam que o uso de correspondentes bancários por cooperativas está relacionado à busca de maior eficiência e redução de filas nas agências. A melhoria da inclusão financeira por esses correspondentes limita-se a um serviço único – o recebimento de pagamentos. Não obstante, em 2014, cooperativas de correspondentes de crédito tinham um papel importante no fornecimento de serviços de recebimento de contas em 690 municípios brasileiros, dos quais 200 tinham baixos níveis de inclusão financeira. Apesar da escassa disponibilidade de serviços dos correspondentes das cooperativas, os resultados sugerem que esses atores poderiam adquirir uma importância maior na promoção de inclusão financeira no futuro.engFinancial inclusionAgent bankingBanking correspondentsCredit unionCorrespondentsCorrespondentes bancáriosInclusão financeiraAgentes credenciadosCooperativas de créditoCiência políticaCooperativas de créditoCrédito bancário - BrasilBancosCredit union correspondents and financial inclusion in Brazil: an exploratory studyinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVinfo:eu-repo/semantics/openAccessORIGINALCredit Union Correspondents and Financial Inclusion in Brazil - An Exploratory Study.pdfCredit Union Correspondents and Financial Inclusion in Brazil - An Exploratory Study.pdfMaster's Thesis Oskari 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|
dc.title.eng.fl_str_mv |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
title |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
spellingShingle |
Credit union correspondents and financial inclusion in Brazil: an exploratory study Kalliala, Oskari Financial inclusion Agent banking Banking correspondents Credit union Correspondents Correspondentes bancários Inclusão financeira Agentes credenciados Cooperativas de crédito Ciência política Cooperativas de crédito Crédito bancário - Brasil Bancos |
title_short |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
title_full |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
title_fullStr |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
title_full_unstemmed |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
title_sort |
Credit union correspondents and financial inclusion in Brazil: an exploratory study |
author |
Kalliala, Oskari |
author_facet |
Kalliala, Oskari |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EAESP |
dc.contributor.member.none.fl_str_mv |
Farias, Lauro Emilio Gonzalez Diniz, Eduardo Henrique Christopoulos, Tania Pereira |
dc.contributor.author.fl_str_mv |
Kalliala, Oskari |
dc.contributor.advisor1.fl_str_mv |
Farias, Lauro Emilio Gonzalez |
contributor_str_mv |
Farias, Lauro Emilio Gonzalez |
dc.subject.eng.fl_str_mv |
Financial inclusion Agent banking Banking correspondents Credit union Correspondents |
topic |
Financial inclusion Agent banking Banking correspondents Credit union Correspondents Correspondentes bancários Inclusão financeira Agentes credenciados Cooperativas de crédito Ciência política Cooperativas de crédito Crédito bancário - Brasil Bancos |
dc.subject.por.fl_str_mv |
Correspondentes bancários Inclusão financeira Agentes credenciados Cooperativas de crédito |
dc.subject.area.por.fl_str_mv |
Ciência política |
dc.subject.bibliodata.por.fl_str_mv |
Cooperativas de crédito Crédito bancário - Brasil Bancos |
description |
The Brazilian banking correspondent network has been a topic of study for already a decade, due to its well-documented success in improving access to financial services in remote areas. The marginal but growing role of credit unions in the usage of correspondents has not received much attention from academics, despite the appraised importance of credit unions in finance of proximity. This thesis takes a multi-method approach to perform an exploratory research of credit union correspondents in Brazil. The research objective is two-fold, aiming, from one side, at understanding the incentives of credit unions for contracting correspondents and, from the other, at evaluating whether credit union correspondents improve financial inclusion. The research consists of a case study and quantitative analysis of correspondent registration data and credit union financials. The results indicate that generally the largest and most profitable credit unions use banking correspondents in order to improve efficiency and decrease waiting lines, while promoting financial inclusion only in one restricted dimension – bill payment. Nevertheless, in 2014, credit union correspondents had an important role in providing access to payments in 690 municipalities, of which 200 had low financial depth. Despite the scope limitation of credit union correspondents, the results give reasons to believe that these actors could increase their importance in the promotion of financial inclusion in the future. |
publishDate |
2016 |
dc.date.accessioned.fl_str_mv |
2016-04-18T12:34:51Z |
dc.date.available.fl_str_mv |
2016-04-18T12:34:51Z |
dc.date.issued.fl_str_mv |
2016-03-11 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
KALLIALA, Oskari. Credit union correspondents and financial inclusion in Brazil: an exploratory study. Dissertação (Mestrado Profissional em Gestão Internacional) - FGV - Fundação Getúlio Vargas, São Paulo, 2016. |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10438/16392 |
identifier_str_mv |
KALLIALA, Oskari. Credit union correspondents and financial inclusion in Brazil: an exploratory study. Dissertação (Mestrado Profissional em Gestão Internacional) - FGV - Fundação Getúlio Vargas, São Paulo, 2016. |
url |
http://hdl.handle.net/10438/16392 |
dc.language.iso.fl_str_mv |
eng |
language |
eng |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
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Fundação Getulio Vargas (FGV) |
instacron_str |
FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
bitstream.url.fl_str_mv |
https://repositorio.fgv.br/bitstreams/e73a664b-cf26-4de4-b17d-d4ea4f2164fb/download https://repositorio.fgv.br/bitstreams/aefd1540-c70d-4d48-88e9-2d402389e5ce/download https://repositorio.fgv.br/bitstreams/1debaf16-d23d-41ba-9f4a-2ef4b7ae4796/download https://repositorio.fgv.br/bitstreams/9d3edb4c-0fb0-4fb6-b438-2438d2009db1/download |
bitstream.checksum.fl_str_mv |
6d34d7539e504a0435f497516a543549 dfb340242cced38a6cca06c627998fa1 7dacc7a71d8e5b6fc13df338cc713c41 0410c22e400f6321610ddefb7a483f4b |
bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 MD5 |
repository.name.fl_str_mv |
Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
|
_version_ |
1810024028185821184 |