Curso CPA 2026 - Aula 12 - Cooperativas de crédito

A credit cooperative is a financial institution formed by the association of people to provide financial services exclusively to its members. Members are both owners and users of the cooperative, participating in its management and benefiting from its products and services. Characteristics: In cooperatives, members find the main services available in banks, such as checking accounts, financial investments, credit cards, loans, and financing; Members have equal voting power regardless of their share of the cooperative's capital stock; Cooperatives are non-profit organizations, the rights and duties of all are equal, and membership is free and voluntary; The cooperative's positive result is known as surplus and is distributed among members in proportion to the transactions each member makes with the cooperative; In case of any losses, the member is subject to participating in the distribution, also in proportion to the services used; Credit cooperatives are authorized and supervised by the Central Bank; Credit cooperatives can grant credit and accept demand and time deposits, receive and make payments on behalf of third parties, conduct operations with other financial institutions, and obtain funds from legal entities; They can issue LCI and LCA (BACEN Circular No. 4,000); Deposits in cooperatives are protected by the Credit Cooperative Guarantee Fund (FGCoop). This fund guarantees deposits and credits held in cooperatives and cooperative banks in case of intervention or extrajudicial liquidation. Currently, the limit of this protection is the same as that in force for banks. 📚 Professor Willian Capriata - Master in Economics, CGA - Professor of Financial Certifications and Banking Exams. ------------------- 🔔Subscribe to our channel🔔 ✅CHECK OUT OUR PREPARATORY COURSES: 👉🏼 Banco do Brasil (BB) Course https://capriatacursos.com.br/produto... 👉🏼 Banco do Nordeste (BNB) Course https://capriatacursos.com.br/produto... 👉🏼 Caixa Econômica Federal (CEF) Course https://capriatacursos.com.br/produto... 👉🏼 CPA Course https://capriatacursos.com.br/produto... 👉🏼 C-Pro Course R https://capriatacursos.com.br/produto... 👉🏼 C-Pro I Course https://capriatacursos.com.br/produto... 👉🏼 CFG Course https://capriatacursos.com.br/produto... 👉🏼 HP-12C Course https://capriatacursos.com.br/produto... 👉🏼 Learn to Invest Course https://capriatacursos.com.br/produto... 👉🏼 Course Ancord https://capriatacursos.com.br/produto... 👉🏼FREE SIMULATIONS and MATERIALS https://capriatacursos.com.br/materia...