Impacto das cooperativas de crédito na inclusão financeira: uma análise de sua contribuição para a avaliação social
Resumo
A inclusão financeira, definida como a acessibilidade e a disponibilidade de serviços financeiros para todos os indivíduos e empresas, é um aspecto crucial do desenvolvimento socioeconômico. Este estudo tem como objetivo analisar o impacto das cooperativas de crédito na melhoria da inclusão financeira. As cooperativas de crédito são instituições financeiras de propriedade de membros que priorizam serviços financeiros baseados na comunidade. Por meio de uma revisão abrangente da literatura e de uma análise empírica, este documento examina como as cooperativas de crédito contribuíram para ampliar o acesso a recursos financeiros, fomentar hábitos de poupança, facilitar o acesso ao crédito e promover um senso de propriedade e capacitação em comunidades marginalizadas. Ele constata que a inclusão financeira é uma meta abrangente das cooperativas de crédito e conclui que a inclusão financeira levará a sociedades mais equitativas e capacitadas.
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