Question 1

What is Sicoob Credijur?

Accepted Answer

Sicoob Credijur, officially known as Cooperativa de Crédito de Livre Admissão e dos Advogados Ltda., is a cooperativa de crédito (credit cooperative) specializing in serving legal professionals in Brazil. Part of the Sicoob System, the cooperative is headquartered in Goiânia, Goiás, and focuses on providing financial services tailored to the needs of lawyers (advogados) and related legal professionals.

As a specialized credit cooperative, Sicoob Credijur combines expertise in the legal profession's financial needs with the cooperative banking model, offering members both professional understanding and democratic ownership.

Question 2

When was Sicoob Credijur founded?

Accepted Answer

Sicoob Credijur was founded on April 22, 1997, established by legal professionals seeking a financial institution that understood their specific needs and operated under cooperative principles.

The cooperative was created during a period of growth for specialized credit cooperatives in Brazil, when professional groups recognized the benefits of member-owned financial institutions that could provide tailored services while maintaining democratic governance and profit-sharing.

Question 3

Where is Sicoob Credijur headquartered?

Accepted Answer

Sicoob Credijur is headquartered in Goiânia, Goiás, with its main office located at Rua 100, 155, Setor Sul, Goiânia (GO), CEP: 74080-140.

The Setor Sul location in Goiânia places the cooperative in a central business district, providing convenient access for legal professionals and law firms in the state capital.

Question 4

Where does Sicoob Credijur operate?

Accepted Answer

As a cooperative specializing in serving legal professionals, Sicoob Credijur operates primarily in Goiás, with its main presence in Goiânia. The cooperative's open-admission status allows it to serve lawyers and legal professionals, as well as other individuals and businesses within its authorized geographic areas.

While specific to the legal profession, the cooperative's reach extends to where its member lawyers and law firms conduct their practices throughout the region.

Question 5

What services does Sicoob Credijur offer?

Accepted Answer

Sicoob Credijur provides comprehensive financial services designed with legal professionals in mind:

Personal Banking: Current accounts, savings accounts (poupança), debit and credit cards, personal loans, and payroll lending (crédito consignado).

Professional Services: Banking products tailored to lawyers' income patterns, which often involve irregular cash flows from legal fees, court awards, and retainer arrangements.

Business Banking: Business accounts for law firms and legal practices, working capital loans, receivables financing, and payment collection services.

Investment Products: Savings accounts, fixed-income investments (RDC), capital shares in the cooperative, pension plans (previdência), and consortium groups (consórcios).

Digital Banking: Mobile banking through the Sicoob app, internet banking, and digital payment solutions providing 24/7 access to financial services.

Insurance Services: Life, professional liability, auto, and property insurance products relevant to legal professionals and their practices.

Question 6

What makes Sicoob Credijur unique?

Accepted Answer

Sicoob Credijur stands out as a specialized cooperative exclusively focused on the legal profession, understanding the unique financial challenges lawyers face including irregular income patterns, professional liability considerations, and trust account management needs.

The cooperative is recognized for its excellence in delivering financial products and services with high-performance pricing, service, and customer support specifically designed for legal professionals. This specialization allows Sicoob Credijur to offer products and conditions that generic banks may not provide to the legal community.

As a member-owned cooperative, lawyers are not just clients but owners with democratic governance rights. The cooperative operates under principles of voluntary and free association, democratic management, and economic participation by all members, with decisions made collectively in assemblies where all members are invited to participate.

The cooperative emphasizes transparency, commitment, respect, ethics, solidarity, and responsibility as core values, principles particularly important to legal professionals.

Question 7

What type of financial institution is Sicoob Credijur?

Accepted Answer

Sicoob Credijur is a Cooperativa de Crédito de Livre Admissão (Open-Admission Credit Cooperative) with a specialization in serving legal professionals, regulated by the Central Bank of Brazil (Banco Central do Brasil).

While originally established to serve exclusively lawyers and legal professionals, the livre admissão (open admission) status means the cooperative can now accept other individuals and businesses as members within its authorized geographic areas, though it maintains its specialization and focus on the legal profession.

As a cooperative financial institution, Sicoob Credijur operates with full banking capabilities while adhering to cooperative principles including democratic governance, member profit-sharing through sobras (surplus distribution), and a focus on meeting member needs rather than maximizing profits for external shareholders.

Sicoob Credijur

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About Sicoob Credijur in Brazil