Socio-economic impacts of microcredit
Small businesses and individual micro-entrepreneurs (MEI) make up the vast majority of companies in the country. According to the Ministry of Entrepreneurship, Microenterprise and Small Business, of the total number of active companies in the four-month period...
Credit for Industry
Credit for Industry: The Foundation of Sustainable Neo-industrialization Brazilian industry is going through a very important moment. Amid the challenges of global competitiveness, energy transition, climate change and digital transformation, credit has emerged as one of the main instruments for...
An overview of cooperative credit in Brazil and worldwide
In June 2025, the Central Bank published the Panorama of the National Cooperative Credit System (SNCC), with data referring to 2024. The aim of this article is to present the evolution of credit in this segment and the outlook for the...
Default, recidivism and credit recovery
Disqualification is an important signaling mechanism in the credit market because it reduces credit risk and the risk of over-indebtedness. In some cases, a negative credit rating can be the result of a one-off problem, due to an unforeseen...
Instant payment methods
Instant means of payment: a vector for financial inclusion in Latin America For the younger generation, it will be hard to imagine how money was transferred before PIX. Launched in November 2020, in the midst of a pandemic, PIX has already become popular...
Credit in times of artificial intelligence
In 2022, the launch of Chat GPT, created by the company Open AI, popularized the term “artificial intelligence”. This is an old concept, whose applications have been studied since the mid-twentieth century. The type of artificial intelligence that has become...