Question 1

What is Cooperativa de Crédito dos Médicos?

Accepted Answer

Cooperativa de Crédito dos Médicos, also known as Unicred Mato Grosso, is a singular credit cooperative serving healthcare professionals and entrepreneurs in the state of Mato Grosso, Brazil. As a non-banking financial institution, it specializes in providing comprehensive financial services to doctors, healthcare workers, and business owners in the region.

The cooperative operates as part of the Unicred System in Brazil, affiliated with Unicred Central Conexão. It focuses on delivering mutual assistance and financial solutions tailored to the unique needs of medical professionals and healthcare sector businesses.

Question 2

When was Cooperativa de Crédito dos Médicos founded?

Accepted Answer

The cooperative was founded on February 5, 1991, though its official registration date is November 22, 1991. It was established by healthcare professionals in Cuiabá, Mato Grosso, with the purpose of providing specialized financial services to doctors and other health sector professionals.

The institution evolved from a small group of founding members to become one of the significant credit cooperatives in Mato Grosso. In February 2023, the cooperative expanded beyond state borders by opening its first agency outside Mato Grosso in Porto Velho, Rondônia.

Question 3

Where is Cooperativa de Crédito dos Médicos headquartered?

Accepted Answer

The cooperative is headquartered in Cuiabá, the capital city of Mato Grosso state. The main office is located at Rua Barão de Melgaço, 2754, 15th floor, Work Tower Building, in the Centro-Sul neighborhood.

This central location in Cuiabá serves as the administrative hub for the cooperative's operations throughout the state and its expansion into Rondônia.

Question 4

Where does Cooperativa de Crédito dos Médicos operate?

Accepted Answer

The cooperative operates primarily throughout the state of Mato Grosso, with presence in multiple municipalities including Cuiabá, Sinop, Rondonópolis, and Sorriso. Its area of action is limited to municipalities within Mato Grosso state and the municipality of Porto Velho in Rondônia.

As of December 2024, the institution maintains 16 service points across its operating region. The cooperative has been expanding its physical presence, with several agencies following a premium concept design to provide modern and welcoming environments for members.

Question 5

What services does Cooperativa de Crédito dos Médicos offer?

Accepted Answer

The cooperative provides a comprehensive range of financial services including checking accounts with no maintenance fees, credit lines, investment products, insurance, pension plans, and credit and debit cards. Credit offerings include working capital loans, investment financing, payroll-deductible loans, credit cards, and specialized credit for healthcare sector needs.

Digital services are available through mobile banking applications and online platforms, allowing members to manage accounts, make investments, track transactions, and access investment advisory services. The cooperative also offers educational programs such as the "Excellence in Clinic and Office Management" course and the "Grow & Prosper" program in partnership with Sebrae/MT.

Insurance products include professional liability coverage, clinic and office insurance, life insurance, and health insurance specifically designed for healthcare professionals. Members also benefit from exclusive programs like financial education initiatives and monthly investor meetings.

Question 6

What makes Cooperativa de Crédito dos Médicos unique?

Accepted Answer

The cooperative's specialization in serving healthcare professionals sets it apart, offering solutions specifically designed for doctors, dentists, nurses, physiotherapists, and other health sector workers. Unlike traditional banks, members are owners who participate in decision-making through assemblies and receive profit distributions.

The institution has received international recognition from rating agencies Fitch Ratings and Moody's, demonstrating its financial strength and stability. It ranks first nationally within the Unicred System, reflecting its operational excellence.

The cooperative emphasizes democratic management where every member has voting rights and participatory governance. It combines competitive rates and terms with personalized service that understands the unique financial challenges faced by healthcare professionals, including complex taxation issues and professional liability concerns.

Question 7

What type of financial institution is Cooperativa de Crédito dos Médicos?

Accepted Answer

Cooperativa de Crédito dos Médicos is a cooperativa de crédito singular (singular credit cooperative), which in Brazil is a member-owned financial institution that operates under mutual credit principles. It is classified under CNAE 6424-7/03 as a mutual credit cooperative.

The cooperative is regulated by the Central Bank of Brazil (Banco Central do Brasil) under Law 4.595/64, Law 5.764/71 (National Cooperative Policy), Complementary Law 130/09 (National Cooperative Credit System), and CMN Resolution 5.051/22. As a cooperative financial institution, it differs from traditional banks by prioritizing member benefit over profit maximization, with deposits protected by FGCoop (Cooperative Credit Guarantee Fund).

Question 8

How large is Cooperativa de Crédito dos Médicos?

Accepted Answer

As of September 2024, the cooperative reported total assets of approximately R$ 1.9 billion and equity of R$ 511 million. The credit portfolio exceeded R$ 1.0 billion, with operations concentrated primarily in the Centro-Oeste region of Brazil (96.1% of portfolio).

The institution has demonstrated consistent growth, with credit operations reaching R$ 1.8 billion in 2020 and generating gross surplus of R$ 75.3 million. The cooperative serves thousands of members across Mato Grosso and Rondônia through its 16 service points.

Question 9

What recognition has Cooperativa de Crédito dos Médicos received?

Accepted Answer

The cooperative has received international credit ratings from both Fitch Ratings and Moody's, which have reaffirmed their ratings multiple times. This recognition validates the institution's financial stability and sound management practices.

Within the Unicred System, the cooperative holds the first place in the national ranking, demonstrating its leadership position among similar institutions across Brazil. The cooperative also received high satisfaction ratings from its members, with 96% of members evaluating it as excellent or good according to Datafolha Institute research.

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