Relato de experiência sobre a utilização do credito rural ofertado sicoob-TO e credito rural ofertado por banco convencional, a partir da visão de usuários.

Abstract

This experience report is focused on rural credit from the perspective of users of the Credit Union System of Brazil (SICOOB TO) and conventional banks. The aim was to analyze the rural credit offered by SICOOB CREDIPAR in line to rural credit offered by conventional banks, searching for, from the account of the experiences of users, knowing which social benefits they promote. For this we used the qualitative research methodology, with bibliographic research and field procedures. The instrument used was a semi-structured interview to two farmers actors, one SICOOB CREDIPAR cooperated and another client of a conventional bank. This procedure allowed us to analyze between the lines of agricultural loans among credit unions and conventional banks, citing the characteristics of each of these institutions. It turns out that the biggest difference between rural credit cooperatives and rural credit offered by conventional banks is that the cooperatives in that it is structurally based on cooperative principles, improve the social life of its members developing the whole community.