Productive microcredit in Brazil: recent history and conditions of development

• Autor(a) principal: Gonzalez, Lauro
• Data de Publicação: 2017
• Outros Autores: Porto, Lya, Diniz, Eduardo Henrique
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Cadernos Gestão Pública e Cidadania (Online)
• Texto Completo: https://periodicos.fgv.br/cgpc/article/view/62637
• topic: Microfinance; productive microcredit; negotiation processes; conditions of development.; Microfinanzas; Microcrédito Productivo; Modelos de Actuación; Procesos de Negociación; Condicionantes de Desarrollo.; Microfinanças; microcrédito produtivo; modelos de atuação; processos de negociação; condicionantes de desenvolvimento.

This article aims to analyze the elements determining the action of different institutional models of productive microcredit. We used a multilevel model to investigate the relationship between interests and negotiation processes among groups involved in microcredit. The empirical study was conducted with three units of analysis: a public bank, a company the provides credit for micro entrepreneurs and small businesses (SCMPP), and a civil society organization of public interest (OSCIP) operating in microcredit. Results show that focus on managing the implementation of the Oriented Productive Microcredit methodology is a condition to achieve good results. Partnerships with government agencies, as well as the participation of microfinance institutions in public policy processes, are a major challenge and a major potential to enhancing the microcredit sector.