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The cooperative principle of democratic management enunciated by the International Cooperative Alliance sets out that members participate actively in the development of cooperatives, acting directly in the formulation of their policies and decision-making processes. However, it turns out that this outlook shows certain weakness in the Brazilian cooperative credit system. Taking into account their concern for survival in a market where they compete with banks, credit cooperatives in Brazil prioritise the assumption of the economic-focused profile and market-driven behaviour, thus damaging the identity essence of their cooperative nature. In this regard, this study aims to identify the moment in which competition substitutes the flagship idea of one man, one vote for a layer of formality and protocols that causes the death of members’ active and direct participation in the management of a cooperative society. The aim is, therefore, to redirect the internal action pathway, safeguarding the identity of Cooperativism in Brazil’s cooperative credit system. This paper is based on a deductive approach and direct research.

A concorrência do mercado como elemento de afetação da gestão democrática nas cooperativas de crédito brasileiras