Cooperativismo de crédito rural e sua influência no desenvolvimento local: estudo de caso da SICOOB Sertão, Pintadas-BA

Abstract

The credit cooperatives come expanding its activities in Brazil providing the bank inclusion to a contingent of people in the urban and rural way, many of the which never possessed relationship with some bank. In the rural way, through the cooperative of rural credit, the farmer has access to credit and too much financial services that the retail banks offer, even so the cooperatives operate with more accessible interest rates. The solidary profile of the institution approaches of the farmer trying to understand its reality objectifying to assist its needs for readiness of important resources for the improvement of its general conditions of life and work. This work tries to trace a profile of the cooperative movement of rural credit of the family agriculture, tends for base the current situation of the family agriculture in Brazil and its financing sources, as well as the formation of a new mentality in relation to the process of development of the territory under local bases. In this sense, it tries to verify the influences that the cooperative institutions of credit present as agents to service of the local development for the assisted rural communities. For so much it was developed the study of case of Sicoob Sertão, cooperative of rural credit of the Colored municipal district, municipal district of the area of the Semi-arid from Bahia. The study objectified to analyze the influence of the cooperative in the economic dynamics of the municipal district, once the cooperative became the main financial agent in the municipal district, since it was shut the only bank agency of the municipal district in December of 1996.