Blog » Sicredi (2023): Methodology and Main Results on the Working Paper Series “The Economic Benefits of Credit Unions”
The attached document presents the methodology and the main results on the working papers series titled "The Economic Benefits of Credit Unions":
Working paper 1 (2019): “Economic Benefits of Credit Unions on the Brazilian Economy”.
Research conducted by FIPE, a foundation linked to the prestigious Economics Department of the Universidade de São Paulo (FEA-USP), and presenting:
(i) a descriptive analysis of cooperativism history and characteristics in Brazil;
(ii) a comparative analysis between the credit balances between the aggregate of Brazilian credit unions (CU) and banks and;
(iii) econometrical exercises on the impact.
Working paper 2 (2020): “Impact over the national bancarization”.
Research conducted by Juliano Assunção, PhD, an associated professor at PUC-Rio, introducing:
(i) the profile of CU’s branches over the Brazilian territory and
(ii) the estimation of the minimum threshold for branch establishment of banks and CU’s.
Working paper 3 (2021): “Territorial financial covering amplification”.
Research conducted by the economics team of Sicredi, presenting:
(i) an indicator that ranks Brazilian municipalities by the unattractiveness to the bank sector and
(ii) an evaluation of the branches chain of public banks, private banks and CU.
Working paper 4 (2022): “Efectiveness of the credit cooperativism".
Research conducted by Juliano Assunção, PhD., introducing:
(i) the use profile in places where CU’s physical branch is solo;
(ii) the effect on credit access of a CU’s branch and;
(iii) the proximity as a condition to a deeper financial inclusion.