Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis
Ano de defesa: | 2017 |
---|---|
Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | |
Tipo de documento: | Dissertação |
Tipo de acesso: | Acesso aberto |
Idioma: | por |
Instituição de defesa: |
Universidade Federal de Santa Maria
Centro de Ciências Sociais e Humanas |
Programa de Pós-Graduação: |
Programa de Pós-Graduação em Administração
|
Departamento: |
Administração
|
País: |
Brasil
|
Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Área do conhecimento CNPq: | |
Link de acesso: | http://repositorio.ufsm.br/handle/1/14145 |
Resumo: | Through the lack of access to small-scale financing for low-income populations, microcredit can be referred to as a stimulating policy in terms of social inclusion, allowing individuals to maximize their individual income, constituting small businesses, And thereby restricting poverty and misery in the world. The general objective of this study is to: evidence the influences and developments of Law 11,110 on the operational activity of microcredit institutions operating in Brazil, and with this, to emphasize the economic, social and environmental aspects. The present research is characterized by being of the qualitative type. Thus, seven managers of institutions that deal with microcredit were interviewed. In understanding the logic of sustainable business models, it is important to infer that this new paradigm is about seeking a vision that incorporates three-way governance, which implies dynamic exchanges between government, business and civil society where The environment, the economy and society. It is concluded, therefore, that Law 11.110 affects the performance of the participating institutions, however, in most cases, there are other laws that also directly interfere with the performance of these organizations. Still, with regard to sustainable business models, it is possible to admit that even the financial institutions (interviewed for this study) such as: Development Agency, Cooperative Bank, Development Bank, Central Credit Cooperative, Credit Cooperative, Company Organization Civil Society of Private Interest and the Microentrepreneurial Credit Society, supported mainly by the economic pillar, also have social and environmental actions (even if in a timid manner), with concerns and anxieties regarding social inclusion, and the minimization of Environmental damages that have been occurring daily through the action of man. |
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2018-08-31T15:03:05Z2018-08-31T15:03:05Z2017-04-19http://repositorio.ufsm.br/handle/1/14145Through the lack of access to small-scale financing for low-income populations, microcredit can be referred to as a stimulating policy in terms of social inclusion, allowing individuals to maximize their individual income, constituting small businesses, And thereby restricting poverty and misery in the world. The general objective of this study is to: evidence the influences and developments of Law 11,110 on the operational activity of microcredit institutions operating in Brazil, and with this, to emphasize the economic, social and environmental aspects. The present research is characterized by being of the qualitative type. Thus, seven managers of institutions that deal with microcredit were interviewed. In understanding the logic of sustainable business models, it is important to infer that this new paradigm is about seeking a vision that incorporates three-way governance, which implies dynamic exchanges between government, business and civil society where The environment, the economy and society. It is concluded, therefore, that Law 11.110 affects the performance of the participating institutions, however, in most cases, there are other laws that also directly interfere with the performance of these organizations. Still, with regard to sustainable business models, it is possible to admit that even the financial institutions (interviewed for this study) such as: Development Agency, Cooperative Bank, Development Bank, Central Credit Cooperative, Credit Cooperative, Company Organization Civil Society of Private Interest and the Microentrepreneurial Credit Society, supported mainly by the economic pillar, also have social and environmental actions (even if in a timid manner), with concerns and anxieties regarding social inclusion, and the minimization of Environmental damages that have been occurring daily through the action of man.Por meio da inexistência de oportunidades de acesso a pequenos financiamentos, no que se refere a população de baixa renda, o microcrédito pode ser referenciado como uma política estimuladora tanto no de inclusão social, oportunizando diversas pessoas a maximizarem sua renda individual, constituindo pequenos negócios, e com isto restringindo o índice de pobreza e miséria no mundo. O objetivo geral deste estudo caracteriza-se por: evidenciar as influências e os desdobramentos da lei 11.110 sobre a atividade operacional das instituições de microcrédito que operam no Brasil, e com isto, salientar os aspectos econômicos, sociais e ambientais. A presente pesquisa caracteriza-se por ser do tipo qualitativa. Assim, foram entrevistados sete gestores de instituições que atuam com o microcrédito. Ao compreender a lógica dos modelos de negócios sustentáveis, é importante inferir que este novo paradigma versa a respeito da busca uma visão que incorpore trocas dinâmicas entre governo, empresas e sociedade civil onde se consideram relevantes as inquietações com o meio ambiente, a economia e a sociedade. Conclui-se então, que a Lei 11.110 afeta a atuação das instituições participantes do estudo, entretanto, na maioria dos casos, há outras leis que também interferem diretamente sobre a atuação destas organizações. Ainda, quanto aos modelos de negócios sustentáveis, é possível admitir que mesmo as instituições financeiras, (entrevistadas para este estudo) do tipo: Agência de Fomento, Banco Cooperativo, Banco de Desenvolvimento, Cooperativa Central de Crédito, Cooperativa de Crédito, Organização da Sociedade Civil de Interesse Público e a Sociedade de Crédito ao Microempreendedor, sustentadas principalmente pelo pilar econômico, também possuem enraizados aos seus objetivos organizacionais ações sociais e ambientais (mesmo que de forma tímida), possuindo preocupações e anseios frente à inclusão social, e a minimização de danos ambientais que cotidianamente vêm ocorrendo por meio da ação do homem.Coordenação de Aperfeiçoamento de Pessoal de Nível Superior - CAPESporUniversidade Federal de Santa MariaCentro de Ciências Sociais e HumanasPrograma de Pós-Graduação em AdministraçãoUFSMBrasilAdministraçãoAttribution-NonCommercial-NoDerivatives 4.0 Internationalhttp://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccessMicrocréditoLei 11.110/PNMPOSustentabilidade e modelo de negócios sustentáveisMicrocreditLaw 11,110 / PNMPOSustainability and sustainable business modelCNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAOInstituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveisBrazilian microfinance institutions: implications of law 11.110 on sustainable business modelsinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisTrevisan, Marcelohttp://lattes.cnpq.br/9922211479866264Marconatto, Diego Antonio Bittencourthttp://lattes.cnpq.br/9626677883636081Scherer, Flávia Lucianehttp://lattes.cnpq.br/4607383855380646http://lattes.cnpq.br/5798122637398152Kochhann, Shaiane Caroline600200000006600e5319d46-a319-464c-b619-c337e5f956459ea5417f-0be5-42a7-9fd6-83fac2520780e37c76db-f94e-4aef-8c4c-67525b0bbbd61e76b188-fa4e-46ce-9ae5-34eb6c92461ereponame:Manancial - Repositório Digital da UFSMinstname:Universidade Federal de Santa Maria (UFSM)instacron:UFSMCC-LICENSElicense_rdflicense_rdfapplication/rdf+xml; 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dc.title.por.fl_str_mv |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
dc.title.alternative.eng.fl_str_mv |
Brazilian microfinance institutions: implications of law 11.110 on sustainable business models |
title |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
spellingShingle |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis Kochhann, Shaiane Caroline Microcrédito Lei 11.110/PNMPO Sustentabilidade e modelo de negócios sustentáveis Microcredit Law 11,110 / PNMPO Sustainability and sustainable business model CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
title_short |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
title_full |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
title_fullStr |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
title_full_unstemmed |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
title_sort |
Instituições de microfinanças brasileiras: implicações da lei 11.110 sobre os modelos de negócios sustentáveis |
author |
Kochhann, Shaiane Caroline |
author_facet |
Kochhann, Shaiane Caroline |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Trevisan, Marcelo |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/9922211479866264 |
dc.contributor.advisor-co1.fl_str_mv |
Marconatto, Diego Antonio Bittencourt |
dc.contributor.advisor-co1Lattes.fl_str_mv |
http://lattes.cnpq.br/9626677883636081 |
dc.contributor.referee1.fl_str_mv |
Scherer, Flávia Luciane |
dc.contributor.referee1Lattes.fl_str_mv |
http://lattes.cnpq.br/4607383855380646 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/5798122637398152 |
dc.contributor.author.fl_str_mv |
Kochhann, Shaiane Caroline |
contributor_str_mv |
Trevisan, Marcelo Marconatto, Diego Antonio Bittencourt Scherer, Flávia Luciane |
dc.subject.por.fl_str_mv |
Microcrédito Lei 11.110/PNMPO Sustentabilidade e modelo de negócios sustentáveis Microcredit |
topic |
Microcrédito Lei 11.110/PNMPO Sustentabilidade e modelo de negócios sustentáveis Microcredit Law 11,110 / PNMPO Sustainability and sustainable business model CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
dc.subject.eng.fl_str_mv |
Law 11,110 / PNMPO Sustainability and sustainable business model |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
description |
Through the lack of access to small-scale financing for low-income populations, microcredit can be referred to as a stimulating policy in terms of social inclusion, allowing individuals to maximize their individual income, constituting small businesses, And thereby restricting poverty and misery in the world. The general objective of this study is to: evidence the influences and developments of Law 11,110 on the operational activity of microcredit institutions operating in Brazil, and with this, to emphasize the economic, social and environmental aspects. The present research is characterized by being of the qualitative type. Thus, seven managers of institutions that deal with microcredit were interviewed. In understanding the logic of sustainable business models, it is important to infer that this new paradigm is about seeking a vision that incorporates three-way governance, which implies dynamic exchanges between government, business and civil society where The environment, the economy and society. It is concluded, therefore, that Law 11.110 affects the performance of the participating institutions, however, in most cases, there are other laws that also directly interfere with the performance of these organizations. Still, with regard to sustainable business models, it is possible to admit that even the financial institutions (interviewed for this study) such as: Development Agency, Cooperative Bank, Development Bank, Central Credit Cooperative, Credit Cooperative, Company Organization Civil Society of Private Interest and the Microentrepreneurial Credit Society, supported mainly by the economic pillar, also have social and environmental actions (even if in a timid manner), with concerns and anxieties regarding social inclusion, and the minimization of Environmental damages that have been occurring daily through the action of man. |
publishDate |
2017 |
dc.date.issued.fl_str_mv |
2017-04-19 |
dc.date.accessioned.fl_str_mv |
2018-08-31T15:03:05Z |
dc.date.available.fl_str_mv |
2018-08-31T15:03:05Z |
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info:eu-repo/semantics/publishedVersion |
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info:eu-repo/semantics/masterThesis |
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masterThesis |
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publishedVersion |
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http://repositorio.ufsm.br/handle/1/14145 |
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http://repositorio.ufsm.br/handle/1/14145 |
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por |
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por |
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600200000006 |
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600 |
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Attribution-NonCommercial-NoDerivatives 4.0 International http://creativecommons.org/licenses/by-nc-nd/4.0/ info:eu-repo/semantics/openAccess |
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Attribution-NonCommercial-NoDerivatives 4.0 International http://creativecommons.org/licenses/by-nc-nd/4.0/ |
eu_rights_str_mv |
openAccess |
dc.publisher.none.fl_str_mv |
Universidade Federal de Santa Maria Centro de Ciências Sociais e Humanas |
dc.publisher.program.fl_str_mv |
Programa de Pós-Graduação em Administração |
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UFSM |
dc.publisher.country.fl_str_mv |
Brasil |
dc.publisher.department.fl_str_mv |
Administração |
publisher.none.fl_str_mv |
Universidade Federal de Santa Maria Centro de Ciências Sociais e Humanas |
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