Credit in Brazil: the role of social connectivity and human capital

Detalhes bibliográficos
Autor(a) principal: Ribeiro, Thiago Leitão
Data de Publicação: 2024
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Institucional do FGV (FGV Repositório Digital)
Texto Completo: https://hdl.handle.net/10438/35268
Resumo: Este estudo investiga o impacto da conectividade social e do capital humano nas práticas de empréstimo bancário no Brasil, utilizando uma análise de regressão de dados em painel multivariada detalhada de dados coletados de municípios brasileiros. Ao examinar a interação entre redes sociais, nível educacional e distribuição de crédito, buscamos entender como esses fatores mitigam coletivamente as assimetrias de informação e aumentam a confiança entre as instituições de empréstimo e os mutuários. Nossos resultados indicam que tanto o aumento da conectividade digital quanto níveis mais altos de educação contribuem significativamente para a disponibilidade de crédito, destacando seus papéis fundamentais na promoção da inclusão financeira e facilitação do desenvolvimento econômico. O estudo enfatiza a necessidade de incorporar considerações de capital social e humano nas operações bancárias e na formulação de políticas para melhorar a eficiência e a justiça dos mercados financeiros. Por meio desta pesquisa, contribuímos para o discurso mais amplo sobre inclusão financeira, oferecendo insights que podem informar estratégias destinadas a otimizar a alocação de crédito em economias emergentes.
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spelling Ribeiro, Thiago LeitãoEscolas::EPGEBarsanetti, BrunoObregón, Jesús Alexei LuizarNorden, Lars2024-04-30T18:43:08Z2024-04-30T18:43:08Z2024-04-10https://hdl.handle.net/10438/35268Este estudo investiga o impacto da conectividade social e do capital humano nas práticas de empréstimo bancário no Brasil, utilizando uma análise de regressão de dados em painel multivariada detalhada de dados coletados de municípios brasileiros. Ao examinar a interação entre redes sociais, nível educacional e distribuição de crédito, buscamos entender como esses fatores mitigam coletivamente as assimetrias de informação e aumentam a confiança entre as instituições de empréstimo e os mutuários. Nossos resultados indicam que tanto o aumento da conectividade digital quanto níveis mais altos de educação contribuem significativamente para a disponibilidade de crédito, destacando seus papéis fundamentais na promoção da inclusão financeira e facilitação do desenvolvimento econômico. O estudo enfatiza a necessidade de incorporar considerações de capital social e humano nas operações bancárias e na formulação de políticas para melhorar a eficiência e a justiça dos mercados financeiros. Por meio desta pesquisa, contribuímos para o discurso mais amplo sobre inclusão financeira, oferecendo insights que podem informar estratégias destinadas a otimizar a alocação de crédito em economias emergentes.This study investigates the impact of social connectivity and human capital on bank lending practices in Brazil, using a detailed multivariate panel data regression analysis. By examining the interplay between social networks, educational attainment, and credit distribution, we aim to understand how these factors collectively mitigate information asymmetries and enhance trust among lending institutions and borrowers. Our findings indicate that both increased digital connectivity and higher levels of education significantly contribute to the availability of credit, highlighting their pivotal roles in promoting financial inclusion and facilitating economic development. The study emphasizes the necessity of incorporating social and human capital considerations into banking operations and policy-making to improve the efficiency and fairness of financial markets. Through this research, we contribute to the broader discourse on financial inclusion, offering insights that could inform strategies aimed at optimizing credit allocation in emerging economies.engConectividade SocialCapital HumanoCréditoAssimetrias de InformaçãoConfiançaHuman CapitalCreditInformation AsymmetriesTrustSocial ConnectivityEconomiaEmpréstimo bancário - BrasilCrédito bancárioCapital humanoRedes sociais - Aspectos econômicosCredit in Brazil: the role of social connectivity and human capitalinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVORIGINALPDFPDFapplication/pdf2133899https://repositorio.fgv.br/bitstreams/d11345f4-fcb4-4961-826e-881b67003b2b/downloade5762ca07bdd5e4eb17764c761c79d1bMD51LICENSElicense.txtlicense.txttext/plain; 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dc.title.eng.fl_str_mv Credit in Brazil: the role of social connectivity and human capital
title Credit in Brazil: the role of social connectivity and human capital
spellingShingle Credit in Brazil: the role of social connectivity and human capital
Ribeiro, Thiago Leitão
Conectividade Social
Capital Humano
Crédito
Assimetrias de Informação
Confiança
Human Capital
Credit
Information Asymmetries
Trust
Social Connectivity
Economia
Empréstimo bancário - Brasil
Crédito bancário
Capital humano
Redes sociais - Aspectos econômicos
title_short Credit in Brazil: the role of social connectivity and human capital
title_full Credit in Brazil: the role of social connectivity and human capital
title_fullStr Credit in Brazil: the role of social connectivity and human capital
title_full_unstemmed Credit in Brazil: the role of social connectivity and human capital
title_sort Credit in Brazil: the role of social connectivity and human capital
author Ribeiro, Thiago Leitão
author_facet Ribeiro, Thiago Leitão
author_role author
dc.contributor.unidadefgv.por.fl_str_mv Escolas::EPGE
dc.contributor.member.none.fl_str_mv Barsanetti, Bruno
Obregón, Jesús Alexei Luizar
dc.contributor.author.fl_str_mv Ribeiro, Thiago Leitão
dc.contributor.advisor1.fl_str_mv Norden, Lars
contributor_str_mv Norden, Lars
dc.subject.por.fl_str_mv Conectividade Social
Capital Humano
Crédito
Assimetrias de Informação
Confiança
topic Conectividade Social
Capital Humano
Crédito
Assimetrias de Informação
Confiança
Human Capital
Credit
Information Asymmetries
Trust
Social Connectivity
Economia
Empréstimo bancário - Brasil
Crédito bancário
Capital humano
Redes sociais - Aspectos econômicos
dc.subject.eng.fl_str_mv Human Capital
Credit
Information Asymmetries
Trust
Social Connectivity
dc.subject.area.por.fl_str_mv Economia
dc.subject.bibliodata.por.fl_str_mv Empréstimo bancário - Brasil
Crédito bancário
Capital humano
Redes sociais - Aspectos econômicos
description Este estudo investiga o impacto da conectividade social e do capital humano nas práticas de empréstimo bancário no Brasil, utilizando uma análise de regressão de dados em painel multivariada detalhada de dados coletados de municípios brasileiros. Ao examinar a interação entre redes sociais, nível educacional e distribuição de crédito, buscamos entender como esses fatores mitigam coletivamente as assimetrias de informação e aumentam a confiança entre as instituições de empréstimo e os mutuários. Nossos resultados indicam que tanto o aumento da conectividade digital quanto níveis mais altos de educação contribuem significativamente para a disponibilidade de crédito, destacando seus papéis fundamentais na promoção da inclusão financeira e facilitação do desenvolvimento econômico. O estudo enfatiza a necessidade de incorporar considerações de capital social e humano nas operações bancárias e na formulação de políticas para melhorar a eficiência e a justiça dos mercados financeiros. Por meio desta pesquisa, contribuímos para o discurso mais amplo sobre inclusão financeira, oferecendo insights que podem informar estratégias destinadas a otimizar a alocação de crédito em economias emergentes.
publishDate 2024
dc.date.accessioned.fl_str_mv 2024-04-30T18:43:08Z
dc.date.available.fl_str_mv 2024-04-30T18:43:08Z
dc.date.issued.fl_str_mv 2024-04-10
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.uri.fl_str_mv https://hdl.handle.net/10438/35268
url https://hdl.handle.net/10438/35268
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.source.none.fl_str_mv reponame:Repositório Institucional do FGV (FGV Repositório Digital)
instname:Fundação Getulio Vargas (FGV)
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repository.mail.fl_str_mv
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