A importância da gestão de risco como ferramenta na análise de concessão ao crédito: a experiência em um ambiente cooperativo

Abstract

The work was based on the analysis of credit risk management in a cooperative credit enterprise, without identifying the institution. work has the proposal to evaluate how the referred cooperative behaves before the theme and the forms that are used for credit assignment and control. The study used a bibliographic review on the themes: cooperativism, credit, cooperatives of credit, principles of financial management and risk management to support the research carried out at the institution, with the objective of analyzing the way in which the risks inherent in this operation. The study concludes that the cooperative in question, despite using risk minimization tools in credit operations, makes recommendations to improve your activities.