Sicredi, a cooperative financial institution, is an international reference for its model system performance. There are 100 affiliated credit cooperative entities, which operate within a service network with 1,321 locations. The structure still has four Regional Centers – shareholders of Sicredi Participações SA, one Confederation, a Foundation, a Cooperative Bank and its subsidiaries. All these institutions together form Sicredi and adopt a single operational standard. Its performance as a system enables economies of scale and increases the potential of the credit cooperative entities to exercise the activity in a market in which there are present large financial conglomerates. Made by people for people, Sicredi has the distinction of a management model that values participation. The more than 2.9 million members vote and decide on their credit cooperative’s direction.