Quais as principais vantagens e desvantagens do empréstimo pessoal nos bancos tradicionais versus cooperativa de crédito?

Abstract

The present work presents the comparison of cooperatives and banks when hiring personal loans. In this way, given the consumer society in which we live, bank contracts have been increasingly present in the daily lives of individuals, since the economic crisis, aggravated by the Covid 19 pandemic, has made people to use their resources to the fullest to survive amidst the social chaos in the world. Therefore, the current population had to seek help from third parties to continue managing their families and personal accounting. Cooperatives have grown a lot over time, as with Agribusiness expanding and forming substantial alliances with cooperatives, access to credit lines has become more accessible over time. Thus, the banks known as the pioneers of the business had a great competitor in the financial market. The methodology applied has an exploratory nature, which seeks to analyze the advantages and disadvantages of the personal loan at the bank versus credit union in Brazil.