CONDICIONANTES DO RISCO DE CRÉDITO EM UMA COOPERATIVA DO ALTO PARANAÍBA/MG

Rosiane Maria Lima Gonçalves, Rodrigo Smarzaro da Silva, Raquel Santos Soares Menezes and Ney Paulo Moreira

Organizações Rurais e Agroindustriais/Rural and Agro-Industrial Organizations, 2015, vol. 17, issue 01

Abstract: As instituições financeiras ao captarem recursos de poupadores e repassá-los aos agentes deficitários, mediante contratos de crédito, estão sujeitas ao risco de crédito, que se refere à incapacidade dos tomadores arcarem com suas dívidas. As cooperativas de crédito podem ter esse risco ampliado em virtude de um fator subjetivo envolvido nas concessões de crédito: as relações de proximidade existentes entre gestores da cooperativa e cooperados, o que diminui o rigor na avaliação do tomador de crédito. Nesse sentido, esse estudo objetivou avaliar os condicionantes do risco de crédito de uma cooperativa de crédito da região do Alto Paranaíba/Minas Gerais, utilizando dados de 2001 a 2010. Foi utilizado o modelo de regressão logit, sendo os contratos de crédito classificados como adimplentes e inadimplentes. Os resultados encontrados indicaram que quanto maior for a idade e os meses de fidelidade menor será a probabilidade de inadimplência na cooperativa e que a linha de crédito que amplia o risco está associada aos empréstimos. ----- During the process of obtaining resources from savers, and transferring them to deficit agents, by means of credit agreements, the financing institutions are subject to credit risk, which refers to the inability of credit borrowers in paying their debts. The credit cooperatives may have that risk increased due to a subjective factor involved in the credit extension, namely: the existing closerelated relationships between cooperative managers and members, what reduces the accuracy in assessing the borrowers’ credit. The purpose of this study was to assess determining factors of credit risk in a cooperative of Alto Paranaíba, State of Minas Gerais, Brazil, using data from the year of 2001 to 2010. The logic regression model was used, and credit agreements were classified as default and defaulters. According to results, as greater is the age and fidelity months, lesser will be the defaulters probability in the cooperative. Therefore, the credit line which increases the risk is associated with borrowings.

Keywords: Agricultural Finance; Risk and Uncertainty (search for similar items in EconPapers)
Date: 2015
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Persistent link: https://EconPapers.repec.org/RePEc:ags:orarao:262756

DOI: 10.22004/ag.econ.262756

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