Microcrédito em perspectiva: análise sobre o desempenho do programa Crediamigo do Banco do Nordeste
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Data
2022-03-07
Autores
Cavalcanti, Matheus Corrêa Netto
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Editor
Universidade Estadual Paulista (Unesp)
Resumo
Os recursos do sistema financeiro tradicional servem a poucas pessoas, dado que a incerteza e os riscos inerentes à atividade bancária levam as instituições ao racionamento de sua oferta de crédito. Desse modo, os indivíduos mais pobres, com menos escolaridade, com falta de garantias reais, muitas vezes do sexo feminino, deixam de ser atendidos pelos bancos tradicionais. Por outro lado, sabe-se que o crédito é uma importante ferramenta de fomento de empreendimentos, e quando direcionado a pessoas excluídas do mercado financeiro, desempenha um papel social. Assim sendo, essa pesquisa busca analisar o Microcrédito, um inovador e eficiente método de inclusão financeira da população carente que ganhou notoriedade mundialmente como instrumento de superação das desigualdades socioeconômicas. Através de uma revisão de literatura a respeito do mais bem-sucedido programa de Microcrédito Produtivo Orientado da América do Sul, o Crediamigo do Banco do Nordeste, constatou-se impactos positivos sobre renda, emprego e bem-estar dos clientes contemplados. O êxito dessa iniciativa também é notável do ponto de vista organizacional e administrativo, sendo o modelo de gestão do Crediamigo uma referência em termos de sustentabilidade e expansão das operações.
The resources of the financial system serve few people, given that the uncertainty and the inherent risks of banking activity make institutions ration their credit supply. Thereby, the poorest individuals, with less access to education, lacking real collaterals, often women, end up not being served by the traditional banks. On the other hand, it is known that the credit is an important business development tool, and when directed to people excluded from the financial market, plays a social role. Therefore, this research seeks to analyze Microcredit, an innovative and efficient method of financial inclusion of the needy population that has gained worldwide notoriety as an instrument for overcoming socioeconomic inequalities. Through a literature review about the most successful Guided Productive Microcredit program in South America, the Crediamigo of Banco do Nordeste, positive impacts were found on the income, employment and well-being of the clients. The success of this initiative is also notable from an organizational and administrative point of view, with Crediamigo's management model being a reference in terms of sustainability and expansion of operations
The resources of the financial system serve few people, given that the uncertainty and the inherent risks of banking activity make institutions ration their credit supply. Thereby, the poorest individuals, with less access to education, lacking real collaterals, often women, end up not being served by the traditional banks. On the other hand, it is known that the credit is an important business development tool, and when directed to people excluded from the financial market, plays a social role. Therefore, this research seeks to analyze Microcredit, an innovative and efficient method of financial inclusion of the needy population that has gained worldwide notoriety as an instrument for overcoming socioeconomic inequalities. Through a literature review about the most successful Guided Productive Microcredit program in South America, the Crediamigo of Banco do Nordeste, positive impacts were found on the income, employment and well-being of the clients. The success of this initiative is also notable from an organizational and administrative point of view, with Crediamigo's management model being a reference in terms of sustainability and expansion of operations
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Palavras-chave
Microcrédito, Inclusão financeira, Crédito para os pobres, Microcredit, Financial inclusion, Credit for the poor