Perfil das cooperativas de microcrédito do estado do Tocantins.

Abstract

This study aims to demonstrate the overall profile of the Tocantins state of microfinance cooperatives, with data collected through a questionnaire sent by e-mail to managers via cooperatives SICOOB Credipar - Rural Credit Cooperative Paraíso do Tocantins, located in Paraíso do Tocantins; and SICREDI CLOSED UNION - Rural Credit Cooperative and Public Servants State of Tocantins, located in Dianópolis. The questionnaire is adapted from research done by SEBRAE to profile survey of microfinance institutions (OSCIP) held in Brazil in 2011. The methodological approach for the study was qualitative descriptive with field research by means of a questionnaire with eighteen open and closed questions. The preliminary results of the study indicate that organizations are relatively new in the state of Tocantins and are in the northern and central regions of the state, having the average (2.5) directors, (13.5) and managers (21.5) loan officers by cooperatives. In addition, they have a total assets, an average net worth and the monthly operating license more than three million. Use of own resources and other capital to meet the customer base, with the average rate traded interest of 5%. Credit purposes transferred to the legal entities are: working capital, reinvestment in the business / purchase of machinery, construction or renovation of property and purchase of movable property (vehicles). The collateral required for loans and financing is the real guarantee and endorsement. The credit analysis is done through credit protection registration, surveys economic partners and other ways. The institutions offer various types of care that are differentiated in the market. Appears with an overall percentage of (83.87%) of Individuals and (16.13%) of clients of Legal Entities.