<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">

  <url>
    <loc>https://universo.coop/governo-discute-ampliar-ate-3011-o-prazo-de-opcao-pelo-regime-da-cbs-e-do-ibs-para-cooperativas/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T18:40:43Z</news:publication_date>
      <news:title>Governo discute ampliar até 30/11 o prazo de opção pelo regime da CBS e do IBS para cooperativas</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/o-movimento-cooperativo-explora-o-seu-papel-no-desenvolvimento-e-governacao-da-inteligencia-artificial/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T17:50:57Z</news:publication_date>
      <news:title>O movimento cooperativo explora o seu papel no desenvolvimento e governação da inteligência artificial</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/cooperacao-internacional-comitiva-do-paraguai-visita-o-modelo-de-sucesso-do-cooperativismo-paranaense/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T16:28:19Z</news:publication_date>
      <news:title>Cooperação internacional: comitiva do Paraguai visita o modelo de sucesso do cooperativismo paranaense</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/governo-autoriza-contrato-de-rdollar-30-bi-para-motoristas-de-aplicativos/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T16:18:57Z</news:publication_date>
      <news:title>Governo autoriza contrato de R$ 30 bi para motoristas de aplicativos</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/contas-do-governo-tem-superavit-de-rdollar-48-bilhoes-em-setembro/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T16:14:59Z</news:publication_date>
      <news:title>Contas do governo têm superávit de R$ 4,8 bilhões em setembro</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/jose-alves-destacou-o-desafio-de-integrar-inovacao-e-valores-cooperativos-no-wcm-2026/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T14:48:34Z</news:publication_date>
      <news:title>José Alves destacou o desafio de integrar inovação e valores cooperativos no WCM 2026</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/cooperativas-de-reciclagem-em-sao-bernardo-recebem-rdollar-128-mil-pelo-programa-de-servicos-ambientais/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T14:36:24Z</news:publication_date>
      <news:title>Cooperativas de reciclagem em São Bernardo recebem R$ 128 Mil pelo Programa de Serviços Ambientais</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/movimento-cooperativo-de-habitacao-jovem-busca-reativacao-e-apoio-em-portugal/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T14:15:58Z</news:publication_date>
      <news:title>Movimento cooperativo de habitação jovem busca reativação e apoio em Portugal</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/faltam-2-dias-cooperativas-tem-ate-31-de-outubro-para-optar-pelo-regime-especifico-da-reforma-tributaria/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T13:28:36Z</news:publication_date>
      <news:title>Faltam 2 dias: cooperativas têm até 31 de outubro para optar pelo regime específico da Reforma Tributária</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/cooperativismo-reforca-dialogo-com-o-mapa-credito-seguro-e-armazenagem-no-centro-da-agenda/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T13:23:15Z</news:publication_date>
      <news:title>Cooperativismo reforça diálogo com o Mapa: crédito, seguro e armazenagem no centro da agenda</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/sicoob-paulista-esta-entre-as-instituicoes-mais-incriveis-para-trabalhar-segundo-premio-da-fia-e-estadao/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T11:15:00Z</news:publication_date>
      <news:title>Sicoob Paulista está entre as instituições &#8216;Mais Incríveis Para Trabalhar&#8217;, segundo prêmio da FIA e Estadão</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/agricultura-familiar-da-bahia-amplia-presenca-no-mercado-da-gastronomia-durante-o-summit-nexxo-2026/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-29T11:11:01Z</news:publication_date>
      <news:title>Agricultura familiar da Bahia amplia presença no mercado da gastronomia durante o Summit Nexxo 2026</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/mocambique-quer-criar-500-mil-empregos-atraves-do-cooperativismo/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T18:38:49Z</news:publication_date>
      <news:title>Moçambique quer criar 500 mil empregos através do cooperativismo</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/sicoob-conquista-selo-prata-do-programa-brasileiro-ghg-protocol/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T18:09:53Z</news:publication_date>
      <news:title>Sicoob conquista Selo Prata do Programa Brasileiro GHG Protocol</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/projeto-circularize-conecta-cooperativas-e-recicladoras-para-padronizar-residuos-plasticos-no-brasil/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T17:42:10Z</news:publication_date>
      <news:title>Projeto circularize conecta cooperativas e recicladoras para padronizar resíduos plásticos no Brasil</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/sinistralidade-na-saude-suplementar-como-a-gestao-preditiva-ajuda-operadoras-a-antecipar-riscos/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T17:18:06Z</news:publication_date>
      <news:title>Sinistralidade na saúde suplementar: Como a gestão preditiva ajuda cooperativas a antecipar riscos</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/wcm-2026-o-que-o-maior-evento-de-lideranca-cooperativista-sinalizou-para-o-futuro-do-setor/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T17:01:36Z</news:publication_date>
      <news:title>WCM 2026: o que o maior evento de liderança cooperativista sinalizou para o futuro do setor</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/cotriba-liquidacao-aprovada-operacoes-continuam-o-que-muda-agora/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T16:57:23Z</news:publication_date>
      <news:title>Cotribá: liquidação aprovada, operações continuam. O que muda agora?</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/ultimos-dias-cooperativas-tem-ate-31-de-outubro-para-optar-pelo-regime-especifico-da-reforma-tributaria/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T16:52:56Z</news:publication_date>
      <news:title>Últimos dias: cooperativas têm até 31 de outubro para optar pelo regime específico da Reforma Tributária</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/metade-das-cooperativas-se-ve-atras-da-concorrencia-como-a-inovacao-pode-virar-resultado/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T15:20:15Z</news:publication_date>
      <news:title>Metade das cooperativas se vê atrás da concorrência: como a inovação pode virar resultado</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/convivencia-entre-geracoes-fortalece-a-cultura-cooperativista/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T15:16:59Z</news:publication_date>
      <news:title>Convivência entre gerações fortalece a cultura cooperativista</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/cooperativismo-reforca-interlocucao-com-ministerio-da-agricultura-e-pecuaria/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T15:02:37Z</news:publication_date>
      <news:title>Cooperativismo reforça interlocução com Ministério da Agricultura e Pecuária</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/sistema-ocepar-realiza-forum-de-auditores-internos-para-fortalecer-governanca-e-compliance-no-parana/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T14:58:48Z</news:publication_date>
      <news:title>Sistema Ocepar realiza Fórum de Auditores Internos para fortalecer governança e compliance no Paraná</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/banco-central-e-cmn-ampliam-criterios-de-solvencia-e-governanca-para-o-fgcoop/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T12:19:35Z</news:publication_date>
      <news:title>Banco Central e CMN Ampliam Critérios de Solvência e Governança para o FGCoop</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/sistema-ocb-piaui-participa-de-seminario-sobre-ato-cooperativo-e-reforma-tributaria-no-ceara/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T10:50:00Z</news:publication_date>
      <news:title>Sistema OCB Piauí participa de seminário sobre ato cooperativo e Reforma Tributária no Ceará</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/essencial-coop-aposta-em-inovacao-para-ampliar-servicos-de-saude-e-bem-estar/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T10:50:00Z</news:publication_date>
      <news:title>Essencial Coop aposta em inovação para ampliar serviços de saúde e bem-estar</news:title>
    </news:news>
  </url>

  <url>
    <loc>https://universo.coop/amstad-day-celebra-os-175-anos-de-nascimento-do-padre-theodor-amstad-na-linha-imperial/</loc>
    <news:news>
      <news:publication>
        <news:name>Universo.COOP</news:name>
        <news:language>pt</news:language>
      </news:publication>
      <news:publication_date>2026-10-28T10:45:00Z</news:publication_date>
      <news:title>Amstad Day celebra os 175 anos de nascimento do Padre Theodor Amstad na Linha Imperial</news:title>
    </news:news>
  </url>

</urlset>