Inadimplência em cooperativa de crédito, estudo de caso sicoob nossacoop

Abstract

This work has as central subject the analysis of the insolvency and the identification of the profile of the cooperated defaulter. The main objective is, through a case study, to identify the profile of the cooperated defaulter in the Sicoob Nossacoop. Initially, contextualiza it institution in the branch that acts through the description of the concepts of cooperative and credit of credit. After that, concepts related to the subject, such are revised as credit and financial intermediation, risk of credit, politics and analysis of credit. The case study it initiates with the presentation of the credit policies of the Sicoob Nossacoop. They had been collected given of all the operations of credit with date base of October of 2011e identified those in insolvency. Finally, to delineate improvement chances, between which the main one is the implantation of a Rating to standardize the credit analysis on the basis of adjustable criteria the reality of the cooperative.