BANK CREDIT ANALYSIS: A STUDY ON CRITERIA AND FACTORS FOR GRANTING IN A COOPERATIVE OF SICOOB

Abstract

Credit Cooperativism is structured in the form of a System, integrating several organizations that, despite acting with their own rules and strategic processes, come together to achieve shared purposes. The present study aims to analyze the importance of subjective factors in the analysis of bank credit with a Cooperative Agency of Banco SICCOB in Porto Velho - RO. To achieve the objective, bibliographic research was used to build the theoretical foundation. An exploratory case study was carried out, through the evaluation of the questionnaires applied to the credit analysts of the cooperative. Through these it was possible to observe that the priority before any operation is the verification and updating of the registration, being extremely important to evaluate the factors that influence the granting of credit in the (PAs) Service Points, as they are decisive factors that impact on the development and growth of the Cooperative. In the end, with the accomplishment of this work, it was possible to expand the knowledge about some specific indicators for the analysis of financial institutions, ways of application and to extract information, which undoubtedly are of extreme importance for the Cooperative's managers and their associates.