Bancos versus cooperativas de crédito: fatores que influenciam na escolha dos produtos e serviços financeiros

Abstract

This research aimed to identify factors that influence the time of a user who has employment with a cooperative financial institution, choose between using products / services of the institution itself or whether they use these products / services in banks. In this context, there are credit unions and banks, both financial institutions that offer the same type of service. The research is classified as exploratory. In the data collection using virtual questionnaire available 8 days to obtain the answers, with objective and subjective questions and reached the total of 56 answers of 70 employees in the total of a credit union located in cabedelo - PB. The results of the work indicated that most employees of a credit union have used bank services in the last two years and that factors such as rates, trust and flexibility in bank services did not influence the use of bank services, even respondents being employees of a credit cooperative.