Análise de concessão de crédito para pessoas jurídicas em uma cooperativa de crédito

Abstract

The present work aims to identify how the process of analysis of credit granting for legal entities in the Original Credit Union –Sicoob Original is performed, compare if the procedures performed by the institution are in line with the literature and identify the current result of the default of legal entities. It fits as a case study methodology, with documentary analysis characterizing itself as a descriptive research of qualitative / quantitative approach. In the comparison of the procedures performed by the cooperative with the literature, alignment was verified, considering that the results of the delinquency in the portfolio of legal entities, compared to the average, were shown to be low. For the profile with the highest percentage of delinquency, we can highlight the modality of working capital credit, companies in the branch of the commerce sector, companies with lower billing value and shorter formation time.