João Paulo Calembo Batista Menezes

Fatores Determinantes do Acesso às Cooperativas de Crédito do Município de Teófilo Otoni - MG: uma Abordagem a Partir do Modelo Logit

Credit unions act similarly to other financial institutions, capturing deposits, offering various services and credit payments and compensation documents, however, have their own characteristics, distinguishing themself from conventional banks. Through the application of a questionnaire to 347 users of three unions of the Teofilo Otoni, was obtained, the users profile and could discover the socioeconomic and behavioral factors of access to the cooperative system. From the logistic regression analysis, it was possible to know the factors that determine access to credit unions in the city of Teofilo Otoni, which are: income between one and five minimum wages; low amount of used services; unions are the first option to use banking services; unions are considered better than the banks; indication of the union; union location.