SOCIAL EFFICIENCY OF THE SICREDI CENTRO-SUL MS COOPERATIVE: A DETERMINISTIC FRONTIER AND MALMQUIST INDEX APPROACH
DOI:
https://doi.org/10.5281/zenodo.15612189Keywords:
Benchmark, Brazil-Paraguay Border Local Development, Solidarity Practices, Sustainable Development GoalsAbstract
This article analyzes the social efficiency of 24 service units of the Sicredi Centro-Sul MS cooperative between 2019 and 2021, focusing on the impacts of the COVID-19 pandemic on the performance of branches located in border municipalities between Brazil and Paraguay. The objective is to assess the relative performance of these units based on socioeconomic, financial, and demographic indicators, highlighting the cooperative's role as a driver of local development and social inclusion in areas historically overlooked by the traditional financial system. The research adopts a quantitative approach with a theoretical-deductive framework. Three methodological criteria were employed. The first pertains to the logical method, grounded in deductive reasoning from the theory of productive efficiency, emphasizing Data Envelopment Analysis (DEA). The second involves data collection, which included primary data from the cooperative and secondary data from public sources such as IBGE and RAIS. The third criterion relates to the analysis procedures, which applied the DEA model with variable returns to scale (DEA/VRS), output-oriented, to measure the relative efficiency of the units, along with the Malmquist Index, which assesses changes in efficiency over time, distinguishing between technological change and scale components. The results revealed a decline in the average efficiency of the units in 2020 due to the pandemic's effects. In 2021, efficiency scores showed recovery, signaling economic rebound and increased demand for credit. Only four units were efficient across all three years analyzed, indicating significant room for improvement. The Malmquist Index pointed to progress in scale efficiency, even in 2020, and relatively homogeneous technological adaptation among the units. However, nine branches experienced declines in technological change, suggesting specific challenges. The study concludes that Sicredi Centro-Sul MS demonstrated resilience during the health crisis and achieved advancements in technological and organizational efficiency. Nevertheless, opportunities for improvement remain, particularly in digital transformation and enhancing social efficiency in less efficient units. The study underscores the novelty of its approach and reinforces the strategic role of credit cooperativism in regional development and achieving the Sustainable Development Goals (SDGs).
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