Brazilian credit union member groups: borrower-dominated, saver-dominated or neutral behavior?
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| Format: | Artículo científico |
| Language: | en |
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Associação Nacional de Pós-Graduação e Pesquisa em Administração
2013
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| author | Valéria Gama Fully Bressan |
| author_facet | Valéria Gama Fully Bressan |
| contents | Brazilian credit union member groups: borrower-dominated, saver-dominated or neutral behavior? Valéria Gama Fully Bressan Marcelo José Braga Moisés de Andrade Resende Filho Aureliano Angel Bressan Administración y Contabilidad panel data Credit union monetary benefits member group domination Theoretical models concerning Credit Unions (CUs) suggest that the type of CU domination determines the way it allocates the monetary value it generates. A borrower- (saver-) dominated CU benefits borrower (saver) members at the expenses of saver (borrower) members, and a neutral CU equally benefits its member groups. This paper applies direct measure of monetary benefits to each member group (Patin & McNiel, 1991a) to test for the existence of dominated behavior in Brazilian CUs, and is the first to apply panel data regressions to identify the determinants of CUs behavior. We use a unique panel data with 40,664 observations taken from 533 CUs affiliated with the largest Brazilian cooperative network. Results indicate Brazilian CUs are dominated by borrowers, but behave close to neutrality. Panel regression estimates show that common or multiple bond type, size and overdue loans of a CU have no effect on its behavior, the greater the total amount of loans over social capital and adjusted equity over total assets are the more likely a CU is borrower dominated, and the greater the age and current operational expenses over total asset of a CU are the more likely a CU is saver dominated. 2013 artículo científico 1807-7692 https://www.redalyc.org/articulo.oa?id=84124875003 en http://www.redalyc.org/revista.oa?id=841 BAR - Brazilian Administration Review application/pdf Associação Nacional de Pós-Graduação e Pesquisa em Administração BAR - Brazilian Administration Review (Brasil) Num.1 Vol.10 |
| format | Artículo científico |
| id | redalyc_84124875003 |
| institution | Redalyc |
| language | en |
| publishDate | 2013 |
| publisher | Associação Nacional de Pós-Graduação e Pesquisa em Administração |
| spellingShingle | Brazilian credit union member groups: borrower-dominated, saver-dominated or neutral behavior? Valéria Gama Fully Bressan Administración y Contabilidad panel data Credit union monetary benefits member group domination Brazilian credit union member groups: borrower-dominated, saver-dominated or neutral behavior? Valéria Gama Fully Bressan Marcelo José Braga Moisés de Andrade Resende Filho Aureliano Angel Bressan Administración y Contabilidad panel data Credit union monetary benefits member group domination Theoretical models concerning Credit Unions (CUs) suggest that the type of CU domination determines the way it allocates the monetary value it generates. A borrower- (saver-) dominated CU benefits borrower (saver) members at the expenses of saver (borrower) members, and a neutral CU equally benefits its member groups. This paper applies direct measure of monetary benefits to each member group (Patin & McNiel, 1991a) to test for the existence of dominated behavior in Brazilian CUs, and is the first to apply panel data regressions to identify the determinants of CUs behavior. We use a unique panel data with 40,664 observations taken from 533 CUs affiliated with the largest Brazilian cooperative network. Results indicate Brazilian CUs are dominated by borrowers, but behave close to neutrality. Panel regression estimates show that common or multiple bond type, size and overdue loans of a CU have no effect on its behavior, the greater the total amount of loans over social capital and adjusted equity over total assets are the more likely a CU is borrower dominated, and the greater the age and current operational expenses over total asset of a CU are the more likely a CU is saver dominated. 2013 artículo científico 1807-7692 https://www.redalyc.org/articulo.oa?id=84124875003 en http://www.redalyc.org/revista.oa?id=841 BAR - Brazilian Administration Review application/pdf Associação Nacional de Pós-Graduação e Pesquisa em Administração BAR - Brazilian Administration Review (Brasil) Num.1 Vol.10 |
| title | Brazilian credit union member groups: borrower-dominated, saver-dominated or neutral behavior? |
| topic | Administración y Contabilidad panel data Credit union monetary benefits member group domination |
| url | https://www.redalyc.org/articulo.oa?id=84124875003 |