Community Development and Credit Unions: Effects on Lifestyle of the Chapadense Community
DOI:
https://doi.org/10.21118/apgs.v15i1.14299Abstract
Research purpose: Considering the possibilities of changing people's life from financial inclusion, the research theme was defined by analyze the changes in the lifestyle of Chapada Gaúcha-MG population from the creation of the credit union Sicoob Credichapada.
Theoretical framework: The theoretical lens that underlies the research is the theory of community development, with views of Garkovich (2011) and Gunton and Markey (2021), with an orientation towards cooperative community development, supported by Zeuli and Radel (2005).
Methodology: The research uses observation, document analysis and semi-structured interviews with subjects from the territory under study, in addition to using the field diary as a source of information.
Results: The results show that the process of municipality composition, marked by difficulties, is transformed with the creation of the cooperative, generating effects thematized as financial economy, aid to local commerce, ease of access to credit, job creation, training of members and employees, civic participation, support for local agriculture and assistance to philanthropic institutions.
Originality: In addition to analyzing the still unexplored effects on the research subjects' lifestyle, the study innovates by emphasizing empirically the contributions of the creation of credit unions on different aspects of a community life.
Theoretical and practical contributions: The study contributes to the theoretical lens used by bringing aspects in which credit unions can help in the development from their practices. In addition, the study shows that the performance of cooperative financial institutions can generate effects on the communities' lifestyle, suggesting policies aimed at greater articulation and strengthening of financial cooperativism in the country.
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