Eighth International Conference on Advances in Social Science, Economics and Management Study SEM
Author(s) : I. A. Coelho Silva, M. A. L. de Freitas, R. N. Rodrigues
The credit unions are institutions that make financial resources feasible to their members assuring them access to the tools of the financial market. In Brazil in 2017, there were 9.6 million members. Another relevant element has been the growth of the total assets, credit portfolio and deposits. This study has the goal to investigate the determinant factors of the credit risk of the Brazilian credit unions through the application of data model in an unbalanced scoreboard stimated by the analysis of the Ordinaty Least Squares. The sample corresponded to 799 Brazilian credit unions in the quarters between 06/2014 and 09/2018. As a result of the research the Efficiency in Cost Management, Total Assets, GPD and ROE variables presented statistical relevance as factors of the credit risk.