Good perspectives for the implantation of cooperatives exist and, in special, cooperative of credit. This having to the strangulation that the current financial system offers the development of the economy as a whole. Elitizados and searching customers more capitalized, the banks pass to the plaza of a good part of the economically active population and its possible enterprises. Recently some institutions focaram in the low-income public initiating a called process down-scaling. The Post offices and the lottery agencies start to be corresponding bank clerks. In the entnato, it will be that such correspondents have given to satisfactory answers its customers? It is observed that specific groups, entities, companies and segments if have organized in the search of alternative forms of resolution of its financial questions. The reasons take that them to this initiative are several and are mentioned basically: ) Bad attendance of the traditional banking network in what it says respect:difficulty of access to the credit, massivo attendance, without if mattering with Reals necessidadesdo customer, bond of the concession of the credit with the acquisition of other products as safe, savingses, capitalizaton, saving, etc. b) Success known of other cooperatives of credit and the results gotten for them the incentive to the commerce/industry of the region, with financing of new enterprises, the interest of the associates/entrepreneurs/community in constituting a credit cooperative, the biggest interaction between the members, sidewalk in confidence and transparency, the combat to the practical one of the speculation and, finally however not the little important possibility of financing of local social projects, aiming at the partner-economic development of the region.

Valley to stand out that the cooperatives differ from mercantile initiatives in some sources: One is about solidary, democratic and autogeridas entities. Each cooperated is a partner, with participation it accomplishes in the management and the responsibility for the success of the enterprise. of mutual credit used: formed for employed or serving and rendering of services in not eventual character of determined public or private entity, determined conglomerated economic, joint defined of public agencies or definite set of legal people who develop identical activities or narrowly correlated by affinity or complementaridade.