Microcrédito e bancarização no Brasil de 1995 a 2013
Ano de defesa: | 2018 |
---|---|
Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | |
Tipo de documento: | Dissertação |
Tipo de acesso: | Acesso aberto |
Idioma: | por |
Instituição de defesa: |
Pontifícia Universidade Católica de São Paulo
|
Programa de Pós-Graduação: |
Programa de Estudos Pós-Graduados em Economia Política
|
Departamento: |
Faculdade de Economia, Administração, Contábeis e Atuariais
|
País: |
Brasil
|
Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Área do conhecimento CNPq: | |
Link de acesso: | https://tede2.pucsp.br/handle/handle/20986 |
Resumo: | The purpose of this study was to analyze the granting of microcredit in Brazil in the period 1995-2013 comparing the Brazilian experience with the experience of Bangladesh. In the last decades it has been observed a substantial advance in the financial market with the development of several tools that contribute to the increment of the current economic scenario. This evolution, over time, has promoted a national economic development, besides contributing to the reduction of unemployment and informality in companies. However, there is still a large gap between the low-income population and the tools available, as it is possible to observe that the high cost of credit operations for the population, mainly due to the lack of real guarantees, costs of these operations, resulting in an obstacle to obtaining credit in Brazil and consequently the financial inclusion of this population. Banking is one of the possible mechanisms to insert the low income population in the banking system and to promote a regulatory form that allows these people to obtain access to a subsidized credit, enabling entrepreneurship, the release of resources for investment and working capital, resulting in in obtaining credit with sustainability and contributing to the financial inclusion and citizenship of the most disadvantaged classes. In the course of this endeavor, the most successful experience, both in practical terms and in theoretical terms, is the case of Bangladesh, which served as a scope to verify why it persisted for several periods and economic policies and even with several governments in different periods, such as the 1995-2013 period, it was noted that the intentions were frustrated and did not make significant progress. Based on the Microcredit Revolution, the successful case of Bangladesh and the Brazilian experience were compared, since they are countries with similar initiatives of financial inclusion, public services of insufficient quality and with still anachronistic problems in socioeconomic indicators. It is concluded that despite being in the process of improvement, it has not yet promoted the social inclusion expected due to the high costs. Therefore, the results are heterogeneous, where some segments show improvement, and others, such as those of extreme poverty, microcredit further aggravates the situation, promoting inability to pay and consequent indebtedness |
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Niemeyer Neto, Luiz MoraesLima, Fernanda Maria Nogueira2018-04-09T13:02:54Z2018-03-05Lima, Fernanda Maria Nogueira. Microcrédito e bancarização no Brasil de 1995 a 2013. 2017. 102 f. Dissertação (Mestrado em Economia Política) - Programa de Estudos Pós-Graduados em Economia Política, Pontifícia Universidade Católica de São Paulo, São Paulo, 2017.https://tede2.pucsp.br/handle/handle/20986The purpose of this study was to analyze the granting of microcredit in Brazil in the period 1995-2013 comparing the Brazilian experience with the experience of Bangladesh. In the last decades it has been observed a substantial advance in the financial market with the development of several tools that contribute to the increment of the current economic scenario. This evolution, over time, has promoted a national economic development, besides contributing to the reduction of unemployment and informality in companies. However, there is still a large gap between the low-income population and the tools available, as it is possible to observe that the high cost of credit operations for the population, mainly due to the lack of real guarantees, costs of these operations, resulting in an obstacle to obtaining credit in Brazil and consequently the financial inclusion of this population. Banking is one of the possible mechanisms to insert the low income population in the banking system and to promote a regulatory form that allows these people to obtain access to a subsidized credit, enabling entrepreneurship, the release of resources for investment and working capital, resulting in in obtaining credit with sustainability and contributing to the financial inclusion and citizenship of the most disadvantaged classes. In the course of this endeavor, the most successful experience, both in practical terms and in theoretical terms, is the case of Bangladesh, which served as a scope to verify why it persisted for several periods and economic policies and even with several governments in different periods, such as the 1995-2013 period, it was noted that the intentions were frustrated and did not make significant progress. Based on the Microcredit Revolution, the successful case of Bangladesh and the Brazilian experience were compared, since they are countries with similar initiatives of financial inclusion, public services of insufficient quality and with still anachronistic problems in socioeconomic indicators. It is concluded that despite being in the process of improvement, it has not yet promoted the social inclusion expected due to the high costs. Therefore, the results are heterogeneous, where some segments show improvement, and others, such as those of extreme poverty, microcredit further aggravates the situation, promoting inability to pay and consequent indebtednessO presente estudo teve por objetivo analisar a concessão de microcrédito no Brasil no período 1995-2013 comparando a experiência brasileira com a experiência de Bangladesh. Nas últimas décadas constatou-se um avanço substancial no mercado financeiro com o desenvolvimento de várias ferramentas que contribuem para o incremento do cenário econômico atual. Tal evolução, ao longo do tempo, promoveu um desenvolvimento econômico nacional, além de contribuir para a redução do desemprego e da informalidade nas empresas. Contudo, tem-se ainda uma grande lacuna entre a população de baixa renda e as ferramentas disponíveis, uma vez que é possível observar que o alto custo das operações de crédito para a população, principalmente devido à falta de garantias reais, eleva ainda mais os custos das referidas operações, resultando em um entrave de obtenção do crédito no Brasil e consequentemente a inclusão financeira desta população. A bancarização é um dos mecanismos possíveis para inserir a população de baixa renda no sistema bancário e promover uma forma regulamentar que permita que estas pessoas obtenham acesso a um crédito subsidiado, possibilitando o empreendedorismo, a liberação de recursos para investimento e capital de giro, resultando na obtenção de crédito com sustentabilidade e contribuindo para a inclusão financeira e cidadania das classes mais desfavorecidas. No decorrer desta empreitada, a experiência mais bem-sucedida, tanto em termos práticos quanto em termos teóricos, é o caso de Bangladesh, que serviu de escopo para verificar o porquê de mesmo persistindo por vários períodos e políticas econômicas e mesmo com vários governos em períodos distintos, como o caso do período 1995-2013, percebeu-se que as intenções foram frustradas e não obtiveram progressos significativos. Com base na Revolução do Microcrédito fez-se a comparação do caso bem-sucedido de Bangladesh e a experiência brasileira, por se tratar de países com iniciativas semelhantes de inclusão financeira, serviços públicos de qualidade insuficientes e com problemas ainda anacrônicos nos indicadores socioeconômicos. Conclui-se que apesar de estar em processo de melhoria, ainda não promoveu a inclusão social esperada devido aos altos custos. Logo, os resultados são heterogêneos, onde alguns segmentos apresentam melhorias, e outros, como aqueles de extrema pobreza, o microcrédito agrava ainda mais a situação, promovendo a incapacidade de pagamento e consequente endividamentoapplication/pdfhttp://tede2.pucsp.br/tede/retrieve/45220/Fernanda%20Maria%20Nogueira%20Lima.pdf.jpgporPontifícia Universidade Católica de São PauloPrograma de Estudos Pós-Graduados em Economia PolíticaPUC-SPBrasilFaculdade de Economia, Administração, Contábeis e AtuariaisMicrofinanças - BrasilEmpréstimos bancários - BrasilDesenvolvimento socialMicrofinance - BrazilBank loans - BrazilProgressCNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIAMicrocrédito e bancarização no Brasil de 1995 a 2013info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da PUC_SPinstname:Pontifícia Universidade Católica de São Paulo (PUC-SP)instacron:PUC_SPTEXTFernanda Maria Nogueira Lima.pdf.txtFernanda Maria Nogueira Lima.pdf.txtExtracted texttext/plain217724https://repositorio.pucsp.br/xmlui/bitstream/handle/20986/5/Fernanda%20Maria%20Nogueira%20Lima.pdf.txt18b1bb0ab1cab16f898502483cf2f6f9MD55ORIGINALFernanda Maria Nogueira Lima.pdfFernanda Maria Nogueira Lima.pdfapplication/pdf788057https://repositorio.pucsp.br/xmlui/bitstream/handle/20986/2/Fernanda%20Maria%20Nogueira%20Lima.pdf838df4778a4b2acc04363ac858268d61MD52LICENSElicense.txtlicense.txttext/plain; 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dc.title.por.fl_str_mv |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
title |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
spellingShingle |
Microcrédito e bancarização no Brasil de 1995 a 2013 Lima, Fernanda Maria Nogueira Microfinanças - Brasil Empréstimos bancários - Brasil Desenvolvimento social Microfinance - Brazil Bank loans - Brazil Progress CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
title_short |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
title_full |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
title_fullStr |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
title_full_unstemmed |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
title_sort |
Microcrédito e bancarização no Brasil de 1995 a 2013 |
author |
Lima, Fernanda Maria Nogueira |
author_facet |
Lima, Fernanda Maria Nogueira |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Niemeyer Neto, Luiz Moraes |
dc.contributor.author.fl_str_mv |
Lima, Fernanda Maria Nogueira |
contributor_str_mv |
Niemeyer Neto, Luiz Moraes |
dc.subject.por.fl_str_mv |
Microfinanças - Brasil Empréstimos bancários - Brasil Desenvolvimento social |
topic |
Microfinanças - Brasil Empréstimos bancários - Brasil Desenvolvimento social Microfinance - Brazil Bank loans - Brazil Progress CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
dc.subject.eng.fl_str_mv |
Microfinance - Brazil Bank loans - Brazil Progress |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
description |
The purpose of this study was to analyze the granting of microcredit in Brazil in the period 1995-2013 comparing the Brazilian experience with the experience of Bangladesh. In the last decades it has been observed a substantial advance in the financial market with the development of several tools that contribute to the increment of the current economic scenario. This evolution, over time, has promoted a national economic development, besides contributing to the reduction of unemployment and informality in companies. However, there is still a large gap between the low-income population and the tools available, as it is possible to observe that the high cost of credit operations for the population, mainly due to the lack of real guarantees, costs of these operations, resulting in an obstacle to obtaining credit in Brazil and consequently the financial inclusion of this population. Banking is one of the possible mechanisms to insert the low income population in the banking system and to promote a regulatory form that allows these people to obtain access to a subsidized credit, enabling entrepreneurship, the release of resources for investment and working capital, resulting in in obtaining credit with sustainability and contributing to the financial inclusion and citizenship of the most disadvantaged classes. In the course of this endeavor, the most successful experience, both in practical terms and in theoretical terms, is the case of Bangladesh, which served as a scope to verify why it persisted for several periods and economic policies and even with several governments in different periods, such as the 1995-2013 period, it was noted that the intentions were frustrated and did not make significant progress. Based on the Microcredit Revolution, the successful case of Bangladesh and the Brazilian experience were compared, since they are countries with similar initiatives of financial inclusion, public services of insufficient quality and with still anachronistic problems in socioeconomic indicators. It is concluded that despite being in the process of improvement, it has not yet promoted the social inclusion expected due to the high costs. Therefore, the results are heterogeneous, where some segments show improvement, and others, such as those of extreme poverty, microcredit further aggravates the situation, promoting inability to pay and consequent indebtedness |
publishDate |
2018 |
dc.date.accessioned.fl_str_mv |
2018-04-09T13:02:54Z |
dc.date.issued.fl_str_mv |
2018-03-05 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
Lima, Fernanda Maria Nogueira. Microcrédito e bancarização no Brasil de 1995 a 2013. 2017. 102 f. Dissertação (Mestrado em Economia Política) - Programa de Estudos Pós-Graduados em Economia Política, Pontifícia Universidade Católica de São Paulo, São Paulo, 2017. |
dc.identifier.uri.fl_str_mv |
https://tede2.pucsp.br/handle/handle/20986 |
identifier_str_mv |
Lima, Fernanda Maria Nogueira. Microcrédito e bancarização no Brasil de 1995 a 2013. 2017. 102 f. Dissertação (Mestrado em Economia Política) - Programa de Estudos Pós-Graduados em Economia Política, Pontifícia Universidade Católica de São Paulo, São Paulo, 2017. |
url |
https://tede2.pucsp.br/handle/handle/20986 |
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por |
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Pontifícia Universidade Católica de São Paulo |
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Programa de Estudos Pós-Graduados em Economia Política |
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PUC-SP |
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Brasil |
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Faculdade de Economia, Administração, Contábeis e Atuariais |
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Pontifícia Universidade Católica de São Paulo |
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