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Do Brazilian Credit Unions Adopt International Performance Monitoring?

Author

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  • Paulo Henrique Magalhães Oliveira
  • Valéria Gama Fully Bressan

Abstract

Purpose. The study examined if the Brazilian credit unions use the 'PEARLS' performance monitoring methodology proposed by the World Council of Credit Unions, and the perception of the analysts of the cooperative system on the relevance of the indicators of this system. Methods. We used qualitative research with a sample selected through accessibility. Data were obtained from structured interviews conducted with five analysts of Brazil's Central Bank and two managers of central credit cooperatives, in addition to response, via questionnaire, of seventeen managers of credit unions located in the northern, northeast, south and southeast regions of Brazil. Results. Most of the individual cooperatives and the two central credit unions analyzed were unaware of the PEARLS methodology. This monitoring system is known only by the analysts of the Central Bank of Brazil, indicating that only the supervisory agent of cooperatives in Brazil knows the internationally proposed system and the adapted version proposed to Brazilian reality. Limitations. The survey via questionnaires obtained only 1,4% of population response rate, and the results can not be generalized. Practical implications. It can be said that there is room for improving performance monitoring techniques, as the PEARLS is used in 97 countries and unknown both by individual cooperatives and credit central cooperatives surveyed in this study. Originality. It is noteworthy that studies of this problem applied to the Brazilian reality were not found to date.

Suggested Citation

  • Paulo Henrique Magalhães Oliveira & Valéria Gama Fully Bressan, 2015. "Do Brazilian Credit Unions Adopt International Performance Monitoring?," Journal of Financial Innovation, IBRIF - Instituto Brasileiro de Inovação Financeira, vol. 1(2), pages 1-3.
    • Handle: RePEc:jfi:journl:v:1:y:2015:i:2:p:3
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