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O Banco de Beja no Apoio ao Desenvolvimento
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Este trabalho analisa "O Banco de Beja no apoio ao desenvolvimento ". O Alentejo, em 2023, era sede de onze instituições financeiras que teimam em cumprir o propósito que esteve na sua criação: apoiar a inclusão. A Caixa de Crédito Agrícola Mútuo (CCAM) do Alentejo Sul, sediada em Beja, suportada nos princípios da banca cooperativa, como a solidariedade, o apoio comunitário e a democracia organizativa tem excelentes indicadores económico-financeiras, cria emprego local e mantém o atendimento de proximidade nas suas agências, em locais de os bancos de teor acionista tendem a encerrar balcões.
A investigação insere-se no contexto de crises como a financeira de 2008-9, a económica de 2011-13 e a pandémica de COVID-19 de 2020-22. Nestas, estes bancos regionais destacaram-se pela sua relevância de instituições resilientes e focadas no apoio ao tecido socioeconómico do seu território. Investigamos a resiliência da CCAM Alentejo Sul em comparação com os bancos de teor acionista, nomeadamente no seu compromisso com o progresso regional suportado na base da pirâmide social: as pequenas e médias empresas.
O modelo de investigação foi o qualitativo, com estudo de caso, enriquecido com a entrevista ao administrador executivo da CCAM do Alentejo Sul.
Foi observada a resiliência do modelo de governance cooperativo do banco, baseada numa governança suportada em membros da comunidade, na promoção local de empreendedorismo, na identificação e difusão de talento e para a coesão social da região.
A CCAM consegue adaptar-se às necessidades específicas da comunidade, promovendo o acesso ao crédito, a poupança, a segurança e literacia financeira e apoio à população mais idosa, para além de disponibilizar competências no desenvolvimento do setor agrícola. Desta forma, a CCAM Alentejo Sul emerge como um exemplo robusto de elevador social e económico sustentável, responsável e inclusivo.
This paper analyzes "The Bank of Beja in supporting development". The Alentejo is home to eleven financial institutions that insist on fulfilling the purpose that was created in their creation: to support inclusion. The Caixa de Crédito Agrícola Mútuo (CCAM) of Alentejo Sul, based in Beja, supported by the principles of cooperative banking, such as solidarity, community support and organizational democracy, has excellent economic and financial indicators, creates local employment and maintains proximity service in its branches, in places where banks with shareholder content tend to close branches. The research is part of the context of crises, such as the financial crisis of 2008-9, the economic crisis of 2011-13 and the COVID-19 pandemic of 2020-22, in which these regional banks stood out for their relevance as resilient institutions focused on supporting the socio-economic fabric of their territory. We investigated the resilience of CCAM Alentejo Sul compared to shareholder banks, underlining its commitment to regional progress supported by the base of the social pyramid: small and medium-sized enterprises. The research model was qualitative, with a case study, enriched with the interview with the executive director of CCAM do Alentejo Sul. The resilience of the bank's cooperative governance model was observed, based on governance supported by community members, the local promotion of entrepreneurship, the identification and dissemination of talent and the social cohesion of the region. CCAM is able to adapt to the specific needs of the community, promoting access to credit, savings, security and financial literacy and supporting the elderly population, in addition to providing skills in the development of the agricultural sector. In this way, CCAM Alentejo Sul emerges as a robust example of a sustainable, responsible and inclusive social and economic lift.
This paper analyzes "The Bank of Beja in supporting development". The Alentejo is home to eleven financial institutions that insist on fulfilling the purpose that was created in their creation: to support inclusion. The Caixa de Crédito Agrícola Mútuo (CCAM) of Alentejo Sul, based in Beja, supported by the principles of cooperative banking, such as solidarity, community support and organizational democracy, has excellent economic and financial indicators, creates local employment and maintains proximity service in its branches, in places where banks with shareholder content tend to close branches. The research is part of the context of crises, such as the financial crisis of 2008-9, the economic crisis of 2011-13 and the COVID-19 pandemic of 2020-22, in which these regional banks stood out for their relevance as resilient institutions focused on supporting the socio-economic fabric of their territory. We investigated the resilience of CCAM Alentejo Sul compared to shareholder banks, underlining its commitment to regional progress supported by the base of the social pyramid: small and medium-sized enterprises. The research model was qualitative, with a case study, enriched with the interview with the executive director of CCAM do Alentejo Sul. The resilience of the bank's cooperative governance model was observed, based on governance supported by community members, the local promotion of entrepreneurship, the identification and dissemination of talent and the social cohesion of the region. CCAM is able to adapt to the specific needs of the community, promoting access to credit, savings, security and financial literacy and supporting the elderly population, in addition to providing skills in the development of the agricultural sector. In this way, CCAM Alentejo Sul emerges as a robust example of a sustainable, responsible and inclusive social and economic lift.
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Banca Cooperativa Inclusão Financeira Desenvolvimento Regional Governança Participativa
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Without CC licence