A construção social do cooperativismo de crédito rural solidário na Zona da Mata Mineira

• Ano de defesa: 2011
• Autor(a) principal: Freitas, Alair Ferreira de
• Orientador(a): Amodeo, Nora Beatriz Presno
• Banca de defesa: Ferreira Neto, José Ambrosio , Silva, Edson Arlindo
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Instituição de defesa: Universidade Federal de Viçosa
• Programa de Pós-Graduação: Mestrado em Extensão Rural
• Departamento: Instituições sociais e desenvolvimento; Cultura, processos sociais e conhecimento
• País: BR
• Palavras-chave em Português: Cooperativismo; Cooperativa de crédito; Redes sociais; Confiança; Isomorfismo
• Palavras-chave em Inglês: Cooperative; Credit union; Social networks; Confidence; Isomorphism
• Área do conhecimento CNPq: CNPQ::CIENCIAS AGRARIAS::AGRONOMIA::EXTENSAO RURAL
• Link de acesso: http://locus.ufv.br/handle/123456789/4142

This research had aims to analyze the development of Ecosol rural solidary credit union in Minas Gerais, seeking to understand the logic of operationalisation of financial services and the basis of organizational changes that follow the growth of cooperatives. The cooperatives analyzed were built on the political struggles of family farmers and have strong ideological influences of groups of the Catholic Church. Social and physical proximity among the operating structure of the Organization and the spaces of interaction with the target people allow the cooperatives to incorporate social mechanisms in credit monitoring and control, as reputation and trust. This streamlines risk assessments, which does not focus only on instrumental techniques. However, cooperatives undertake a natural process of growing and changing, induced by the institutional environment. The expansion of membership and operations were followed by increased risks, mainly defaults. This context requires the formalization of functional structures, notably to increase control. There was a coercive isomorphic process, leading the organization to standardize certain practices due to pressures from regulators. Uncertainty experienced by cooperatives induced also mimetic isomorphism, with Ecosol cooperatives becoming similar to those of Cresol system, considered the most legitimate of the organizational field, adopting similar organizational practices. The mimicry has been reinforced through a technical cooperation agreement signed between these two cooperative systems and the integration to-be of cooperatives Ecosol/MG in system Cresol. It can be concluded that the Ecosol mimetic isomorphism configures a strategic organizational restructuring process, which in turn relativizes the impacts of the coercive isomorphism. Accordingly, the integration of the Ecosol/MG cooperatives with Cresol cooperative system cannot be considered merely the consequence of an organizational failure.