ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING
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Data de Publicação: | 2015 |
Outros Autores: | , , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Revista de Administração de Roraima - RARR |
Texto Completo: | https://revista.ufrr.br/adminrr/article/view/2399 |
Resumo: | The propose of this essay is an overview and approach about microcredit, as a method of granting credit lines and small loans to microentrepreneurs and small groups under to the margin of the traditional financial system, because there is no collateral or assets required in traditional loans. Initially, the theoretical discussion analyzes the aspects of the first experience with microcredit, its development and expansion into other markets, especially Brazil. Also, it is analyzed a financial inclusion tool for low-income promoted by the federal government of the country, aiming to produce social equity, income generation, job families and microentrepreneurs. Extends to the test approach to an understanding of the features and products that are related to microcredit operations, including the methodologies of credit analysis, especially the behavioral scoring model called Behavioural Scoring as a tool for analysis credit to the institutions that run this type of business, the main feature of its structure is the absence of historical and real guarantees for lending. |
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Revista de Administração de Roraima - RARR |
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ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORINGENSAIO SOBRE O MICROCRÉDITO E AS METODOLOGIAS DE ANÁLISE DE CRÉDITO: ASPECTOS RELACIONADOS À SUA ORIGEM, DESENVOLVIMENTO E O MODELO DE ESCORAGEM COMPORTAMENTAL – BEHAVIOURAL SCORINGMicrocreditMicrofinanceBehavioural Scoring.The propose of this essay is an overview and approach about microcredit, as a method of granting credit lines and small loans to microentrepreneurs and small groups under to the margin of the traditional financial system, because there is no collateral or assets required in traditional loans. Initially, the theoretical discussion analyzes the aspects of the first experience with microcredit, its development and expansion into other markets, especially Brazil. Also, it is analyzed a financial inclusion tool for low-income promoted by the federal government of the country, aiming to produce social equity, income generation, job families and microentrepreneurs. Extends to the test approach to an understanding of the features and products that are related to microcredit operations, including the methodologies of credit analysis, especially the behavioral scoring model called Behavioural Scoring as a tool for analysis credit to the institutions that run this type of business, the main feature of its structure is the absence of historical and real guarantees for lending.Este ensaio propõe uma abordagem a respeito do microcrédito enquanto modalidade de crédito e concessão de empréstimos de pequena monta para microempreendedores e pequenos grupos de pessoas que são considerados carentes e a margem do sistema financeiro tradicional, pois, usualmente, não apresentam garantias reais por não possuírem os ativos necessários exigidos nas operações tradicionais de empréstimos. Inicialmente, a discussão teórica procura analisar os aspectos que estão associados à primeira experiência com o microcrédito, seu desenvolvimento e expansão para outros mercados em especial o Brasil e o uso como instrumento de inclusão financeira da população de baixa renda fomentada pelo governo federal do país, tendo como objetivo produzir equidade social, geração de renda e trabalho às famílias e aos microempreendedores. Amplia-se a abordagem do ensaio para um entendimento das características e produtos que estão relacionados às operações de microcrédito, incluindo-se ainda as metodologias de análise de crédito, em especial o modelo de escoragem comportamental denominada de Behavioural Scoring, como ferramenta para análise de concessão de crédito para as instituições que fazem este tipo de operação, cuja principal característica de sua estrutura é a ausência de garantias reais para a concessão de crédito e de histórico.Universidade Federal de Roraima2015-07-30info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://revista.ufrr.br/adminrr/article/view/239910.18227/2237-8057rarr.v1i1.2399Journal of Management of Roraima-RARR; Vol. 5 No. 1 (2015); 134-155Revista Administración de Roraima (RARR); Vol. 5 Núm. 1 (2015); 134-155Revista de Administração de Roraima - RARR; v. 5 n. 1 (2015); 134-1552237-8057reponame:Revista de Administração de Roraima - RARRinstname:Universidade Federal de Roraima (UFRR)instacron:UFRRporhttps://revista.ufrr.br/adminrr/article/view/2399/1624Copyright (c) 2015 Revista de Administração de Roraima - RARRinfo:eu-repo/semantics/openAccessdos Santos, Jose OdalioGodoi, Alexandre FrancoBertoncelo, Valeria ReginaSincerre, Bianca Piloto2015-08-20T14:03:51Zoai:oai.revista.ufrr.br:article/2399Revistahttps://revista.ufrr.br/index.php/adminrr/PUBhttps://revista.ufrr.br/adminrr/oairarr.ufrr@gmail.com||emersonclaytonarantes@gmail.com2237-80572237-8057opendoar:2015-08-20T14:03:51Revista de Administração de Roraima - RARR - Universidade Federal de Roraima (UFRR)false |
dc.title.none.fl_str_mv |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING ENSAIO SOBRE O MICROCRÉDITO E AS METODOLOGIAS DE ANÁLISE DE CRÉDITO: ASPECTOS RELACIONADOS À SUA ORIGEM, DESENVOLVIMENTO E O MODELO DE ESCORAGEM COMPORTAMENTAL – BEHAVIOURAL SCORING |
title |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
spellingShingle |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING dos Santos, Jose Odalio Microcredit Microfinance Behavioural Scoring. |
title_short |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
title_full |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
title_fullStr |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
title_full_unstemmed |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
title_sort |
ESSAY ABOUT THE MICRO-CREDIT AND CREDIT ANALYSIS METHODS: ISSUES RELATED TO ITS ORIGIN, DEVELOPMENT AND THE BEHAVIOURAL SCORING |
author |
dos Santos, Jose Odalio |
author_facet |
dos Santos, Jose Odalio Godoi, Alexandre Franco Bertoncelo, Valeria Regina Sincerre, Bianca Piloto |
author_role |
author |
author2 |
Godoi, Alexandre Franco Bertoncelo, Valeria Regina Sincerre, Bianca Piloto |
author2_role |
author author author |
dc.contributor.author.fl_str_mv |
dos Santos, Jose Odalio Godoi, Alexandre Franco Bertoncelo, Valeria Regina Sincerre, Bianca Piloto |
dc.subject.por.fl_str_mv |
Microcredit Microfinance Behavioural Scoring. |
topic |
Microcredit Microfinance Behavioural Scoring. |
description |
The propose of this essay is an overview and approach about microcredit, as a method of granting credit lines and small loans to microentrepreneurs and small groups under to the margin of the traditional financial system, because there is no collateral or assets required in traditional loans. Initially, the theoretical discussion analyzes the aspects of the first experience with microcredit, its development and expansion into other markets, especially Brazil. Also, it is analyzed a financial inclusion tool for low-income promoted by the federal government of the country, aiming to produce social equity, income generation, job families and microentrepreneurs. Extends to the test approach to an understanding of the features and products that are related to microcredit operations, including the methodologies of credit analysis, especially the behavioral scoring model called Behavioural Scoring as a tool for analysis credit to the institutions that run this type of business, the main feature of its structure is the absence of historical and real guarantees for lending. |
publishDate |
2015 |
dc.date.none.fl_str_mv |
2015-07-30 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://revista.ufrr.br/adminrr/article/view/2399 10.18227/2237-8057rarr.v1i1.2399 |
url |
https://revista.ufrr.br/adminrr/article/view/2399 |
identifier_str_mv |
10.18227/2237-8057rarr.v1i1.2399 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://revista.ufrr.br/adminrr/article/view/2399/1624 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2015 Revista de Administração de Roraima - RARR info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2015 Revista de Administração de Roraima - RARR |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
Universidade Federal de Roraima |
publisher.none.fl_str_mv |
Universidade Federal de Roraima |
dc.source.none.fl_str_mv |
Journal of Management of Roraima-RARR; Vol. 5 No. 1 (2015); 134-155 Revista Administración de Roraima (RARR); Vol. 5 Núm. 1 (2015); 134-155 Revista de Administração de Roraima - RARR; v. 5 n. 1 (2015); 134-155 2237-8057 reponame:Revista de Administração de Roraima - RARR instname:Universidade Federal de Roraima (UFRR) instacron:UFRR |
instname_str |
Universidade Federal de Roraima (UFRR) |
instacron_str |
UFRR |
institution |
UFRR |
reponame_str |
Revista de Administração de Roraima - RARR |
collection |
Revista de Administração de Roraima - RARR |
repository.name.fl_str_mv |
Revista de Administração de Roraima - RARR - Universidade Federal de Roraima (UFRR) |
repository.mail.fl_str_mv |
rarr.ufrr@gmail.com||emersonclaytonarantes@gmail.com |
_version_ |
1809277523611090944 |