Análise de crédito para micro e pequenas empresas a partir do CREDIT SCORING: elaborada por uma cooperativa de crédito do sistema SICREDI

Abstract

This work has for objective to study a model of credit scoring to be used by the structure of analysis of credit of a Cooperative of Credit of the Sicredi System, as tool in the aid of the taking of decision of credit for micron and small companies. In the present study also the characteristics of the Cooperatives of Credit are boarded, as well as its origin and current situation in Brazil and the World. It is also approached, in a general way, the structure and the characteristics it Sicredi System and its Cooperatives of Credit. Specifically the risks and the responsibilities of the financial institutions are standed out, factors of which compel the development for systems and tools that minimize the financial loss through the credit. As study object, the Model Small Business Scoring was used as a foundation for the improvement of tool of credit scoring. Applied the tool in situation-problem, the same one demonstrated to efficiency, being necessary a small adaptation the realities of each financial institution.