Excertos sobre política pública de acesso ao crédito como ferramenta de combate à pobreza e inclusão social: o microcrédito na era FHC

Zouain, Deborah Moraes; Barone, Francisco Marcelo

doi:10.1590/s0034-76122007000200010

Cited by 10 publications

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“… 17. This resolution establishes the formation and operation of SCMs, legal entities under private law, with for-profit status, whose sole objective is to grant loans to individuals, to accommodate the development of legal entities classified as professional, commercial, or industrial small and microenterprises (Zouain & Barone, 2007, p. 376). …”

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confidence: 99%

Rethinking Collective Action: The Co-Evolution of the State and Institutional Entrepreneurs in Emerging Economies

Olsen

2016

Organization Studies

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Why do groups form to influence policy outcomes? Classic notions of collective action tell us that a small number of homogeneous individuals are more likely to organize and thus achieve their preferred policy outcomes. Yet, this is not always reflected in the empirical record as external factors, such as the state, influence the costs of organizing. Instead, the traditional collective action literature largely assumes a purely rational or passive state. While the institutional entrepreneurship literature highlights the key role these actors can play in shaping institutions and, at times, organizational fields, it does not seek to explain why change agents appear in some instances and not others. This article seeks to fill this theoretical gap by drawing on the co-evolution literature, which helps explain the variation in group formation by underscoring how the state and institutional entrepreneurs shape one another. Utilizing rich qualitative data from the microfinance industry in Brazil and Mexico, this research asserts that the formation of microfinance associations is a function of actors’ ability to access the state, which results in distinct processes: co-evolution by isolation or co-optation. This process has subsequent implications for institutional change, policy outcomes, and, ultimately, the distribution of power and prospects of development within emerging economies.

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confidence: 99%

Rethinking Collective Action: The Co-Evolution of the State and Institutional Entrepreneurs in Emerging Economies

Olsen

2016

Organization Studies

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“…Small businesses, urban or rural, formal or informal, have suffered from a shortage of capital, resulting in low productivity and low incomes, which prevents the multiplier effect of income and the inclusive economic development in macroeconomic terms (Arbolino et al, 2018;Zouain & Barone, 2007). In this sense, in most countries around the world, credit has shown to be an instrument that leverages development, placing it as a necessary condition for making resources flow in economies (Enimu, Eyo, & Ajah, 2017).…”

Section: Microcredit: General Discussionmentioning

confidence: 99%

Microcredit and Gender: Are There Differences in the Credit Conditions?

Salgado

Aires

2018

BAR, Braz. Adm. Rev.

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By means of a distinguished approach of credit granting, microcredit programs stand out as a socioeconomic alternative for social insertion and fighting against poverty. In this context, a factor that has gained prominence in literature is the female participation in these programs. Therefore, knowing that the literature indicates that there is a lower level of default among women, and considering that gender influence over the financing value has been disproportionate, the aim of this research was to evaluate the relationship between gender and the amounts which were granted in microcredit operations. In order to achieve this, a multiple linear regression technique was used on a sample of 4,454 microcredit clients of a bank with branches located in Paraíba, Brazil. Primary data collection was carried out together with the branch managers by consulting their system. Data were randomly chosen, and refer to the period from January to December 2016. Results show that women obtain a higher credit value than men, which is the opposite of what was found in literature.

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“…A inclusão social e o combate à pobreza por meio do microcrédito é um tema recorrente principalmente quando são analisadas as políticas públicas implementadas na América Latina desde o início do séc. XXI (Gonzalez, Porto, & Diniz, 2017;Zouain & Barone, 2007). O desenvolvimento desse tema insere-se em um contexto que compreende as políticas públicas como tendo o objetivo de ampliar e efetivar direitos de cidadania gestados em lutas sociais e que, portanto, passam a ser reconhecidos institucionalmente (Rigo, França Filho & Leal, 2015).…”

Section: Introductionunclassified

O papel social do microcrédito: estudo sobre o projeto CDD – Cidade de Deus

Kelly

Fonseca

Sauerbronn

2018

CGPC

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<p>O presente estudo propõe-se a compreender como o programa de microcrédito implementado na Cidade de Deus está contribuindo para a diminuição da pobreza no segmento da população excluída pelo mercado bancário tradicional. Para tal, destacam-se dois aspectos: um, de cunho social – a busca do microcrédito pela população pobre -- e outro, de cunho econômico – que aborda a autossustentabilidade financeira do programa. Foi empreendido um estudo qualitativo com pesquisa de campo e entrevistas semiestruturadas com microempreendedores locais, representantes de instituições financeiras e demais entidades que proporcionam crédito na comunidade. Os resultados obtidos demonstram que ainda existem entraves que dificultam o acesso dos mais pobres aos recursos do microcrédito e que a sustentabilidade financeira das instituições tem norteado as decisões quanto aos beneficiários destes recursos.</p>

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Excertos sobre política pública de acesso ao crédito como ferramenta de combate à pobreza e inclusão social: o microcrédito na era FHC

Cited by 10 publications

References 0 publications

Rethinking Collective Action: The Co-Evolution of the State and Institutional Entrepreneurs in Emerging Economies

Rethinking Collective Action: The Co-Evolution of the State and Institutional Entrepreneurs in Emerging Economies

Microcredit and Gender: Are There Differences in the Credit Conditions?

O papel social do microcrédito: estudo sobre o projeto CDD – Cidade de Deus

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