Economia solidária, microfinanças e pluralismo jurídico: um estudo de caso sobre a Rede Brasileira de Bancos Comunitários de Desenvolvimento

• Ano de defesa: 2014
• Autor(a) principal: Ferreira, Vivian Maria Pereira
• Orientador(a): Schapiro, Mario Gomes
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Palavras-chave em Português: Pluralismo jurídico; Regulação financeira
• Link de acesso: http://hdl.handle.net/10438/11741

In 1998 the Association of Residents of Conjunto Palmeira – ASMOCONP founded on the outskirts of Fortaleza the Palmas Bank. Its aim is to stimulate the local production and consumption of goods and services in order to reorganize and strengthen the economic development of the neighborhood. This has given birth to several community development banks in Brazil, which are currently more than 100, scattered over 19 states of the federation in low-income and low HDI neighborhoods. They consist of non-for-profit initiatives, fully managed by the members of the community where they operate, that offer financial services to the residents of the neighborhood. They follow the principles of solidarity economy and aim at generating employment and income. In order to do so, they make use of strategies such as microcredit and issuing a local social currency that runs parallel to the official currency. Community development banks are usually not formally and legally organized. They are projects of microfinances created within NGOs. Therefore, they rely on the normative framework of the third sector and are not subject to financial regulation. Using the method of case study, this thesis seeks to describe the phenomenon of the emergence and multiplication of community development banks throughout the country. It explains how these banks developed their own normative order to regulate their activities, how their normative order works and how it relates to the Brazilian State Law. For a better understanding of such a complex normative reality, concepts and ideas developed in other social sciences are employed. The present study seeks, therefore, to show the limitations of the financial regulation and discuss the public policies of financial inclusion and solidarity economy that have recently been implemented in Brazil.