Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020
Autor(a) principal: | |
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Data de Publicação: | 2022 |
Outros Autores: | |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | CAFI (São Paulo) |
Texto Completo: | https://revistas.pucsp.br/index.php/CAFI/article/view/57266 |
Resumo: | Cooperatives are among the existing forms of social organizations. Such cooperatives also include those that carry out credit operations, called credit unions. The objective of this article was to investigate the characteristics pertinent to the volume of credit operations of credit unions, considering the number of cooperative members and the cooperative system in the period from 2019 to 2020. This is a descriptive research. The non-probability sample covered 847 credit unions available in the Report 'IF: date', issued from the Central Bank of Brazil. The data treatment employed descriptive and inferential statistics, residual analyses and correspondence analysis.The volumes of credit operations of credit unions didn’t show uniform distribution and they weren’t conditioned to the period of operation. However, these volumes were conditioned to the number of members and the cooperative system to which the credit union is linked.The credit unions linked to defined cooperative systems (Sicredi and Sicoob) conditioned higher volumes of credit operations. The study exemplifies the use of correspondence analysis, a multivariate technique used to simplify visualization of associations through perceptual maps. The results also may help to better understand characteristics that can be associated with the volume of credit operations of credit unions in Brazil. |
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Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020Características pertinentes ao volume das operações de crédito das cooperativas de crédito:: Estudo considerando a quantidade de cooperados e o sistema cooperativo no período de 2019 a 2020Cooperativas de crédito. Operações de crédito. Análise de correspondênciaCredit unionsCredit operationsCorrespondence AnalysisCooperatives are among the existing forms of social organizations. Such cooperatives also include those that carry out credit operations, called credit unions. The objective of this article was to investigate the characteristics pertinent to the volume of credit operations of credit unions, considering the number of cooperative members and the cooperative system in the period from 2019 to 2020. This is a descriptive research. The non-probability sample covered 847 credit unions available in the Report 'IF: date', issued from the Central Bank of Brazil. The data treatment employed descriptive and inferential statistics, residual analyses and correspondence analysis.The volumes of credit operations of credit unions didn’t show uniform distribution and they weren’t conditioned to the period of operation. However, these volumes were conditioned to the number of members and the cooperative system to which the credit union is linked.The credit unions linked to defined cooperative systems (Sicredi and Sicoob) conditioned higher volumes of credit operations. The study exemplifies the use of correspondence analysis, a multivariate technique used to simplify visualization of associations through perceptual maps. The results also may help to better understand characteristics that can be associated with the volume of credit operations of credit unions in Brazil.As cooperativas estão entre as formas existentes de organizações sociais. Tais cooperativas contemplam, inclusive, aquelas que efetuam operações de crédito, chamadas cooperativas de crédito. O objetivo deste artigo foi investigar as características pertinentes ao volume das operações de crédito das cooperativas de crédito, considerando a quantidade de cooperados e o sistema cooperativo no período de 2019 a 2020. Esta pesquisa é descritiva. A amostra não probabilística abrangeu 847 cooperativas de crédito disponíveis no Relatório 'IF: data', emitido pelo Banco Central do Brasil. O tratamento dos dados empregou estatística descritiva e inferencial, análise de resíduos e análise de correspondência. Os volumes das operações de crédito das cooperativas não apresentaram distribuição uniforme e não se condicionaram ao período da operação. Entretanto, os referidos volumes condicionaram-se à quantidade de cooperados e ao sistema cooperativo ao qual a cooperativa está vinculado. As cooperativas de crédito vinculadas a sistemas cooperativos definidos (Sicredi e Sicoob) condicionaram volumes superiores de operações de crédito. O estudo exemplifica emprego da análise de correspondência, técnica multivariada usada para simplificar visualização de associações por meio de mapas perceptuais. Os resultados, também, podem ajudar a melhor entender as características que podem ser associadas ao volume das operações de crédito das cooperativas de crédito no Brasil.Pontifícia Universidade Católica de São Paulo - PUC/SP2022-07-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://revistas.pucsp.br/index.php/CAFI/article/view/5726610.23925/cafi.v5i2.57266CAFI; Vol. 5 No. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-132CAFI; Vol. 5 Núm. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-132CAFI ; v. 5 n. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-1322595-17502595-175010.23925/cafi.v5i2reponame:CAFI (São Paulo)instname:Pontifícia Universidade Católica de São Paulo (PUC-SP)instacron:PUC_SPporhttps://revistas.pucsp.br/index.php/CAFI/article/view/57266/40124Copyright (c) 2022 CAFI https://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessCunha, Gabriella BarretoAlves, Carlos André de Melo2022-09-11T23:09:34Zoai:ojs.pkp.sfu.ca:article/57266Revistahttps://revistas.pucsp.br/index.php/CAFI/indexPRIhttps://revistas.pucsp.br/index.php/CAFI/oainvg@galegale.com.br||2595-17502595-1750opendoar:2022-09-11T23:09:34CAFI (São Paulo) - Pontifícia Universidade Católica de São Paulo (PUC-SP)false |
dc.title.none.fl_str_mv |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 Características pertinentes ao volume das operações de crédito das cooperativas de crédito:: Estudo considerando a quantidade de cooperados e o sistema cooperativo no período de 2019 a 2020 |
title |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
spellingShingle |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 Cunha, Gabriella Barreto Cooperativas de crédito. Operações de crédito. Análise de correspondência Credit unions Credit operations Correspondence Analysis |
title_short |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
title_full |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
title_fullStr |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
title_full_unstemmed |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
title_sort |
Characteristics relevant to the volume of credit operations of credit unions: : Study considering the number of cooperative members and the cooperative system in the period from 2019 to 2020 |
author |
Cunha, Gabriella Barreto |
author_facet |
Cunha, Gabriella Barreto Alves, Carlos André de Melo |
author_role |
author |
author2 |
Alves, Carlos André de Melo |
author2_role |
author |
dc.contributor.author.fl_str_mv |
Cunha, Gabriella Barreto Alves, Carlos André de Melo |
dc.subject.por.fl_str_mv |
Cooperativas de crédito. Operações de crédito. Análise de correspondência Credit unions Credit operations Correspondence Analysis |
topic |
Cooperativas de crédito. Operações de crédito. Análise de correspondência Credit unions Credit operations Correspondence Analysis |
description |
Cooperatives are among the existing forms of social organizations. Such cooperatives also include those that carry out credit operations, called credit unions. The objective of this article was to investigate the characteristics pertinent to the volume of credit operations of credit unions, considering the number of cooperative members and the cooperative system in the period from 2019 to 2020. This is a descriptive research. The non-probability sample covered 847 credit unions available in the Report 'IF: date', issued from the Central Bank of Brazil. The data treatment employed descriptive and inferential statistics, residual analyses and correspondence analysis.The volumes of credit operations of credit unions didn’t show uniform distribution and they weren’t conditioned to the period of operation. However, these volumes were conditioned to the number of members and the cooperative system to which the credit union is linked.The credit unions linked to defined cooperative systems (Sicredi and Sicoob) conditioned higher volumes of credit operations. The study exemplifies the use of correspondence analysis, a multivariate technique used to simplify visualization of associations through perceptual maps. The results also may help to better understand characteristics that can be associated with the volume of credit operations of credit unions in Brazil. |
publishDate |
2022 |
dc.date.none.fl_str_mv |
2022-07-01 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://revistas.pucsp.br/index.php/CAFI/article/view/57266 10.23925/cafi.v5i2.57266 |
url |
https://revistas.pucsp.br/index.php/CAFI/article/view/57266 |
identifier_str_mv |
10.23925/cafi.v5i2.57266 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://revistas.pucsp.br/index.php/CAFI/article/view/57266/40124 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2022 CAFI https://creativecommons.org/licenses/by/4.0 info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2022 CAFI https://creativecommons.org/licenses/by/4.0 |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Pontifícia Universidade Católica de São Paulo - PUC/SP |
publisher.none.fl_str_mv |
Pontifícia Universidade Católica de São Paulo - PUC/SP |
dc.source.none.fl_str_mv |
CAFI; Vol. 5 No. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-132 CAFI; Vol. 5 Núm. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-132 CAFI ; v. 5 n. 2 (2022): CAFI - Contabilidade, Atuária, Finanças & Informação; 113-132 2595-1750 2595-1750 10.23925/cafi.v5i2 reponame:CAFI (São Paulo) instname:Pontifícia Universidade Católica de São Paulo (PUC-SP) instacron:PUC_SP |
instname_str |
Pontifícia Universidade Católica de São Paulo (PUC-SP) |
instacron_str |
PUC_SP |
institution |
PUC_SP |
reponame_str |
CAFI (São Paulo) |
collection |
CAFI (São Paulo) |
repository.name.fl_str_mv |
CAFI (São Paulo) - Pontifícia Universidade Católica de São Paulo (PUC-SP) |
repository.mail.fl_str_mv |
nvg@galegale.com.br|| |
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1797069023207227392 |