ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING

Detalhes bibliográficos
Autor(a) principal: Ende, Marta Von
Data de Publicação: 2009
Outros Autores: Leopoldino, Cláudio Bezerra
Tipo de documento: Artigo
Idioma: por
Título da fonte: ConTexto
Texto Completo: https://seer.ufrgs.br/index.php/ConTexto/article/view/11278
Resumo: It is important for a microcredit institution, which has the strategic objectives of growth, self-sustainability and social access function, to have ways to assess tradeoffs and to test possible future settings. These objectives are interdependent and any change in one of them will affect the others. The purpose of this paper is to determine the degree of sustainability of a Brazilian microcredit institution considering two situations: a constant demand and an increasing demand. In order to become it possible a simulation model was developed. The model has reproduced loans and payments done by the fund during the period of one year. The simulation process allowed us to estimate the revenue values and the operational results during the analyzed period. The results of the study show a situation of faint sustainability for both settings and lower operational results for the organization when compared with its goals.
id UFRGS-23_62faa41d0f00cee6c89cc48efa171171
oai_identifier_str oai:seer.ufrgs.br:article/11278
network_acronym_str UFRGS-23
network_name_str ConTexto
repository_id_str
spelling ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELINGAVALIAÇÃO DA SUSTENTABILIDADE DE UMA INSTITUIÇÃO DE MICROCRÉDITO VIA MODELAGEM FINANCEIRAMicrocredit. Sustainability. Simulation.Microcrédito. Sustentabilidade. Simulação.It is important for a microcredit institution, which has the strategic objectives of growth, self-sustainability and social access function, to have ways to assess tradeoffs and to test possible future settings. These objectives are interdependent and any change in one of them will affect the others. The purpose of this paper is to determine the degree of sustainability of a Brazilian microcredit institution considering two situations: a constant demand and an increasing demand. In order to become it possible a simulation model was developed. The model has reproduced loans and payments done by the fund during the period of one year. The simulation process allowed us to estimate the revenue values and the operational results during the analyzed period. The results of the study show a situation of faint sustainability for both settings and lower operational results for the organization when compared with its goals.Em uma determinada instituição de microcrédito, cujos objetivos estratégicos são o crescimento, a autosustentação e a função social de acesso, é importante que se esteja dotado de meios para avaliar trade-offs e testar possíveis cenários futuros. As metas buscadas são interdependentes e a mudança em uma delas sempre vai requerer que se abra mão de algo em uma ou várias outras. O objetivo deste trabalho é mostrar o grau de sustentabilidade de uma instituição de microcrédito brasileira, para duas situações, sendo uma de demanda estável e outra de crescimento. A fim de viabilizar a análise, desenvolveu-se um modelo de simulação que reproduziu empréstimos e pagamentos feitos ao fundo durante o período de um ano, permitindo uma estimativa dos valores da carteira ativa e resultado operacional durante o período analisado. Os resultados do estudo apontam para uma situação de sustentabilidade tênue na organização em ambos os cenários analisados, bem como demonstram resultados operacionais pouco expressivos quando comparados às metas organizacionais.UFRGS2009-11-06info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionAvaliado por Paresapplication/pdfhttps://seer.ufrgs.br/index.php/ConTexto/article/view/11278ConTexto - Contabilidade em Texto; v. 4 n. 7 (2004): 2º semestre 20042175-87511676-6016reponame:ConTextoinstname:Universidade Federal do Rio Grande do Sul (UFRGS)instacron:UFRGSporhttps://seer.ufrgs.br/index.php/ConTexto/article/view/11278/6666Ende, Marta VonLeopoldino, Cláudio Bezerrainfo:eu-repo/semantics/openAccess2009-11-06T19:16:34Zoai:seer.ufrgs.br:article/11278Revistahttps://www.seer.ufrgs.br/index.php/ConTexto/indexPUBhttpw://www.seer.ufrgs.br/index.php/ConTexto/oaifernanda.momo@ufrgs.br||contexto@ufrgs.br2175-87511676-6016opendoar:2009-11-06T19:16:34ConTexto - Universidade Federal do Rio Grande do Sul (UFRGS)false
dc.title.none.fl_str_mv ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
AVALIAÇÃO DA SUSTENTABILIDADE DE UMA INSTITUIÇÃO DE MICROCRÉDITO VIA MODELAGEM FINANCEIRA
title ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
spellingShingle ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
Ende, Marta Von
Microcredit. Sustainability. Simulation.
Microcrédito. Sustentabilidade. Simulação.
title_short ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
title_full ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
title_fullStr ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
title_full_unstemmed ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
title_sort ASSESSMENT OF THE SUSTAINABILITY OF A MICROCREDIT INSTITUTION VIA FINANCIAL MODELING
author Ende, Marta Von
author_facet Ende, Marta Von
Leopoldino, Cláudio Bezerra
author_role author
author2 Leopoldino, Cláudio Bezerra
author2_role author
dc.contributor.author.fl_str_mv Ende, Marta Von
Leopoldino, Cláudio Bezerra
dc.subject.por.fl_str_mv Microcredit. Sustainability. Simulation.
Microcrédito. Sustentabilidade. Simulação.
topic Microcredit. Sustainability. Simulation.
Microcrédito. Sustentabilidade. Simulação.
description It is important for a microcredit institution, which has the strategic objectives of growth, self-sustainability and social access function, to have ways to assess tradeoffs and to test possible future settings. These objectives are interdependent and any change in one of them will affect the others. The purpose of this paper is to determine the degree of sustainability of a Brazilian microcredit institution considering two situations: a constant demand and an increasing demand. In order to become it possible a simulation model was developed. The model has reproduced loans and payments done by the fund during the period of one year. The simulation process allowed us to estimate the revenue values and the operational results during the analyzed period. The results of the study show a situation of faint sustainability for both settings and lower operational results for the organization when compared with its goals.
publishDate 2009
dc.date.none.fl_str_mv 2009-11-06
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Avaliado por Pares
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv https://seer.ufrgs.br/index.php/ConTexto/article/view/11278
url https://seer.ufrgs.br/index.php/ConTexto/article/view/11278
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://seer.ufrgs.br/index.php/ConTexto/article/view/11278/6666
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv UFRGS
publisher.none.fl_str_mv UFRGS
dc.source.none.fl_str_mv ConTexto - Contabilidade em Texto; v. 4 n. 7 (2004): 2º semestre 2004
2175-8751
1676-6016
reponame:ConTexto
instname:Universidade Federal do Rio Grande do Sul (UFRGS)
instacron:UFRGS
instname_str Universidade Federal do Rio Grande do Sul (UFRGS)
instacron_str UFRGS
institution UFRGS
reponame_str ConTexto
collection ConTexto
repository.name.fl_str_mv ConTexto - Universidade Federal do Rio Grande do Sul (UFRGS)
repository.mail.fl_str_mv fernanda.momo@ufrgs.br||contexto@ufrgs.br
_version_ 1799766348803342336

Registros relacionados