A economia no andar de baixo: ascender ou acender perspectivas de pertencimento criadas a partir da renda das pessoas - uma análise do programa de microcrédito do Banco do Povo no município de Sorocaba, SP

• Autor(a) principal: Silva, Estevam César
• Data de Publicação: 2010
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_SP
• Texto Completo: https://tede2.pucsp.br/handle/handle/18045
• topic: Microcrédito; Pertencimento; Inclusão social; Pobreza; Transferência de renda; Microcredit; Belonging; Social inclusion; Poverty; Income transfer; CNPQ::CIENCIAS SOCIAIS APLICADAS::SERVICO SOCIAL

The question of income is confirmed as a means of survival, which in its full manifestation is established by consumption. An income that can be obtained for work done and paid, the transfer and redistribution between social classes and the credit granted in anticipation of the value of future income. Experiments on redistribution and income transfers provide the recipient's claim of his involvement in the consumption of goods and services provided by the reigning model, suggesting their integration into society. These individuals need skill and practice in the consumer world, lacking fitness and preparation for the models of social life in order to meet the expectations of the capitalist system for training new users. How goal to be reached indicates the attribute of belonging, suggesting that this insertion in society takes place through access to goods and services. This introduction to the first system meets the aspiration of the current economic and financial system for the formation of "entrepreneurs", starting from the appropriation of the reality of the individual and their individualized needs that are constructed and emerge as essential to survival. Governments, pressured to meet the growing mass of people excluded from the process of economic and financial training, create a precondition for this endowment giving values of "minimum income" for the survival of the individual. The receipt of securities, planned and monitored, introduces this individual in solo practice for the use of current resources - bank cards, electronic passwords, etc - with disciplined and controlled counterparts focused on education and health becoming essential for maintenance of his life. This practice serves as a stimulus to these "beneficiaries" promoting the activity of consumption. Is formed, then the individual's culture and this income is established consecutively to the proposed transfer for redistribution. The following condition is to grant credit in small amounts pursuing the concepts of previous practice as' disciplinarian and educators of conscious consumption. " It is the precondition of preparing individuals for entry into the consumer with the prospect of membership in a social life using the tools of microfinance, such as micro-oriented and production, training of entrepreneurs and micro-entrepreneurs from the current term economic and financial. The issue of income contained in programs to reduce poverty through income redistribution by the transfer, such as Bolsa Familia, and microcredit People's Bank, as government policy for granting credit in small amounts in their proposals seek preliminary training of entrepreneurs sites. We seek to assess what impact the program has the credit offered by the People's Bank of Sorocaba, São Paulo, which acts in anticipation of future income for the applicants, and to study the proposed link of continuity, announced by the federal government to harness the redistribution program income to lending. The first hypothesis seeks to elucidate the question of deprivation of basic capabilities of the individual by the lack of income as a factor to remain in subordinate social status and confirmed that condition subordinate it down in place (locus) where people live and conduct giving continue the social reproduction of poverty. The second hypothesis track the path of deconstruction of the forms of income obtained by the work that brought many people of their abilities, contributing to informality in the working world and perpetuating conditions of dependence and subordination, exclusion and poverty