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Bressan, Valéria Gama Fully; Braga, Marcelo Jose. |
Given the relevance of the credit unions at national and world level, the objective of this work was to describe the profile of the financial cooperatives from the Brazilian state of Minas Gerais. This study is based on data collected in the period of May to June of 2004, and the sample of 18.85% of the population was selected to supply data. The results indicate that the cooperatives were, on average, 16 years old; 92% of the associates that requested loans were assisted; the delinquent loans level were of 22.34%; and older cooperatives established smaller interest rates than the new ones. The managers had appropriate perception of the true meaning of a cooperative and they agreed with the cooperative principle of voluntary and open membership. In... |
Tipo: Journal Article |
Palavras-chave: Credit unions; Microfinance; Minas Gerais; Financial Economics. |
Ano: 2006 |
URL: http://purl.umn.edu/55180 |
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Bressan, Valéria Gama Fully; Braga, Marcelo Jose; Bressan, Aureliano Angel. |
This article presents a financial analysis of agricultural credit cooperatives in Minas Gerais, between 1998 and 2001. The financial indicators used in this study were separated in the following groups: struture, solvency, costs, financial returns and growth, whose definitions were extracted from the Austin Asis Consulting Company manual. The t-test, with a 5% level of significance, was used as a analytical framework for the financial performance from one year to the next one. As a general result, the indicators showed that the asset and liability accounts were in equilibria, allowing to conclude that the agricultural credit cooperatives of Minas Gerais are in a stable financial situation. |
Tipo: Journal Article |
Palavras-chave: Financial evaluation; Financial indicators; Agricultural credit cooperatives. |
Ano: 2003 |
URL: http://purl.umn.edu/43567 |
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Bressan, Valéria Gama Fully; Bressan, Aureliano Angel. |
The study verifies, between march 2005 and march 2006, if there is any difference between the stock yields of a sample of companies listed in Bovespa that adopt the principles of Corporate Governance, in different levels, in relation to the companies of the traditional market. The data were extracted from Economatica’s database; 130 non-financial companies with higher liquidity stock were selected, of which 65 adopt Corporate Governance practices, and 65 operate according to the traditional market. To conduct the study, the Analysis of Variance (ANOVA) and Student’s t test were used. The results show that the mean yield of companies that adopt different Corporate Governance levels was superior to that of the companies which did not adopt these practices.... |
Tipo: Journal Article |
Palavras-chave: Stock Yield; Corporate Governance; Agency Theory; Asymmetric Information; Agribusiness; Agricultural Finance. |
Ano: 2008 |
URL: http://purl.umn.edu/60711 |
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