Made available in DSpace on 2015-12-03T18:32:45Z (GMT). No. of bitstreams: 1 Ronaldo_Mancini.pdf: 108983 bytes, checksum: 0ea07d616b024cd133eb362a9527353e (MD5) Previous issue date: 2006-09-12 / This project has as its main objective to analyze the main factors that take the mutual credit cooperative association partners to use several financial services offered by these associations. The main factors chosen by this realized analyses are related to the behavior of the partners and are related to the: cooperative customer's satisfaction related to the cooperative services; motivational matters; and issues related to the partner's knowledge in relation to the cooperative environment. The developed project involved three steps: the theorical fundamentation pertinent to the objective of the research, the structure of the methodology which could satisfy the analyzes of the objectives and respective instrumental of the research and, the presentation and analyses of the replies from applied and valid questionnaires (52% from the 240 applied questionnaires). It was shown that the motivational factors, from situated influence and involvement were the most relevant in the relation between partners/cooperative, in the opinion of the own partner. These outcomes also offer subsidies for the realization of future projects in the area of cooperatives. / Este trabalho tem como meta principal a investiga????o dos principais fatores que levam os associados de cooperativas de cr??dito m??tuo a utilizarem os diversos servi??os financeiros oferecidos por essas associa????es. Os principais fatores eleitos para a investiga????o efetuada est??o associados ao comportamento do cooperado e dizem respeito ??: satisfa????o do consumidor cooperativo quanto aos servi??os cooperativos; quest??es de ordem motivacional e, quest??es sobre o conhecimento do cooperado em rela????o ao ambiente cooperativo. O trabalho elaborado pode ser resumido basicamente em tr??s etapas fundamentais: inicialmente uma discuss??o te??rica baseada numa bibliografia pertinente ao objeto da pesquisa; na elabora????o de uma metodologia ideal que satisfizesse a investiga????o proposta, culminando na aplica????o de um question??rio que foi distribu??do entre os associados de duas cooperativas de cr??dito m??tuo na cidade de Presidente Prudente - SP e por fim, a apresenta????o e an??lise cr??tica dos resultados obtidos com a aplica????o dos question??rios. Nas considera????es finais, buscou-se de forma seq??encial o levantamento dos pontos mais relevantes na rela????o cooperado/cooperativa, na vis??o do pr??prio associado, bem como, oferecer subs??dios para a realiza????o de trabalhos futuros no que tange ao segmento cooperativista.

Submitted by PPG Economia do desenvolvimento (economia-pg@pucrs.br) on 2018-10-19T21:36:50Z No. of bitstreams: 1 RICARDO_HOHER_TES.pdf: 1149843 bytes, checksum: dcf538d5731d0f871ccc11a6a6e07d03 (MD5) / Approved for entry into archive by Sheila Dias (sheila.dias@pucrs.br) on 2018-10-22T14:45:44Z (GMT) No. of bitstreams: 1 RICARDO_HOHER_TES.pdf: 1149843 bytes, checksum: dcf538d5731d0f871ccc11a6a6e07d03 (MD5) / Made available in DSpace on 2018-10-22T14:54:45Z (GMT). No. of bitstreams: 1 RICARDO_HOHER_TES.pdf: 1149843 bytes, checksum: dcf538d5731d0f871ccc11a6a6e07d03 (MD5) Previous issue date: 2018-09-28 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior - CAPES / This thesis presents three essays on credit cooperatives, the Financial System and the relationship with economic growth in Rio Grande do Sul, where data from 2013 to 2016 were used, coming from the Central Bank of Brazil ? BCB, Foundation for Economics and Statistics - FEE and the Brazilian Institute of Geography and Statistics - IBGE. In the first essay, it tried to test the hypothesis about the existence of a positive correlation between financial development and economic growth in Rio Grande do Sul and its mesoregions, by means of Quantum Regression techniques, having as dependent variable the GDP per capita and independent variables the rural credit value per capita, credit operations per capita and the existence of PAs of credit cooperatives in municipalities. The results of the empirical application have confirmed the existence of a positive relationship between the development of the financial system and the economic growth of Rio Grande do Sul and its mesoregions. In the second essay, the objective was to analyze the spatial distribution of credit cooperatives and the rural credit concession in the municipalities of Rio Grande do Sul, as well as to verify the relation with the GDP of each city. An Exploratory Analysis of Spatial Data - AEDE was carried out, where the results of the research confirmed the existence of spatial dependence for the variables of interest of the study. The PAs of credit cooperatives presented spatial autocorrelation in 148 municipalities and the concession of rural credit in 179 cities. In the bivariate analysis, GDP/rural credit 179 municipalities have spatial autocorrelation, same number for rural credit/credit cooperative PAs, and 148 cities for GDP/PAs ratio of credit cooperatives. Finally, in the third essay the objective was to measure and analyze the efficiency of credit cooperatives established in the State of Rio Grande do Sul, considering those linked in the SICREDI, CRESOL, CREHNOR, UNICRED and SICOOB systems, through the Data Envelopment Analysis (DEA) method. The model applied, in the proposal of this work, showed that the average efficiency of the gaucho cooperatives in the period under analysis was 76.32%, and the highest average was 79.20% in 2013, where 17 cooperatives were considered to be 100% efficient and the worst average was 73.37% in 2014, which represents an efficiency balance between the periods analyzed. / Esta tese apresenta tr?s ensaios sobre as cooperativas de cr?dito, o Sistema Financeiro e a rela??o com o crescimento econ?mico no Rio Grande do Sul, onde foram utilizados dados de 2013 a 2016, provenientes do Banco Central do Brasil ? BCB, Funda??o de Economia e Estat?stica ? FEE e Instituto Brasileiro de Geografia e Estat?stica ? IBGE. No primeiro ensaio buscou testar a hip?tese sobre a exist?ncia de uma correla??o positiva entre desenvolvimento financeiro e crescimento econ?mico no Rio Grande do Sul e suas mesorregi?es, por meio das t?cnicas de Regress?o Quant?lica, tendo como vari?vel dependente o PIB per capita e vari?veis independentes o valor de cr?dito rural per capita, opera??es de cr?dito per capita e a exist?ncia de PAs de cooperativas de cr?dito nos munic?pios. Os resultados da aplica??o emp?rica comprovaram a exist?ncia de rela??o positiva entre desenvolvimento do sistema financeiro e o crescimento econ?mico do Rio Grande do Sul e suas mesorregi?es. No segundo ensaio, o objetivo foi analisar a distribui??o espacial das cooperativas de cr?dito e da concess?o de cr?dito rural nos munic?pios ga?chos, bem como verificar a rela??o com o PIB de cada cidade. Foi realizada uma An?lise Explorat?ria de Dados Espaciais ? AEDE, onde os resultados da pesquisa confirmaram a exist?ncia de depend?ncia espacial para as vari?veis de interesse do estudo. A vari?vel PAs de cooperativas de cr?dito apresentou autocorrela??o espacial em 148 munic?pios e para a concess?o de cr?dito rural em 179 cidades. Na an?lise bivariada, PIB/cr?dito rural 179 munic?pios possuem autocorrela??o espacial, mesmo n?mero para rela??o PAs cooperativas de cr?dito/cr?dito rural e 148 cidades para rela??o PIB/PAs de cooperativas de cr?dito. Por fim, no terceiro ensaio o objetivo foi mensurar e analisar a efici?ncia das cooperativas de cr?dito estabelecidas no Estado do Rio Grande do Sul, considerando as vinculadas nos sistemas SICREDI, CRESOL, CREHNOR, UNICRED E SICOOB, por meio do m?todo DEA (Data Envelopment Analysis). O modelo aplicado, na proposta deste trabalho, demonstrou que a efici?ncia m?dia das cooperativas ga?chas no per?odo em an?lise foi de 76,32%, sendo que a maior m?dia foi 79,20% em 2013, onde 17 cooperativas foram consideradas 100% eficientes e a pior m?dia foi de 73,37% em 2014, o que representa um equil?brio, quanto ? efici?ncia, entre os per?odos analisados.