Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE
Autor(a) principal: | |
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Data de Publicação: | 2022 |
Tipo de documento: | Trabalho de conclusão de curso |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFS |
Texto Completo: | http://ri.ufs.br/jspui/handle/riufs/15733 |
Resumo: | Informality is a growing phenomenon in Brazil and the difficulty of accessing credit for the poorest has been identified as one of the main reasons that sustain the maintenance of poverty and social inequality. The Crediamigo microcredit program, the largest oriented productive microcredit program in South America, facilitates access to credit for thousands of entrepreneurs belonging to the informal and formal sectors of the economy. In this sense, this study seeks to analyze microcredit from the perspective of employees of the Crediamigo of the Jardins neighborhood unit in the city of Aracaju/SE. The research is based on a theoretical design that brings the concept and definition of microcredit, the history and evolution of microcredit in the world, in Latin America and in Brazil, the main economic impacts of microcredit, the forms of microcredit used in Brazil, the microcredit experiences in Latin America and Brazil and the characterization of the Crediamigo microcredit program. This is descriptive research in which questionnaires were applied to individual microcredit workers belonging to the unit under study in order to draw the profile, understand the perception of the importance of microcredit in the national scenario and verify its importance for the growth of the businesses covered. with the microcredit lines. In addition, it included a comparison with previously published articles, located in systematized searches. The conclusions reached are in line with the literature and bring positive results, such as the perception of Crediamigo employees that credit lines favor the growth of microentrepreneurs, which place the Crediamigo microcredit program as an effective regional instrument for credit distribution, providing development and growth to the businesses covered. |
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Nascimento, André BarretoDuarte, Rodrigo GarciaFarias, Eduardo Alberto da Silva2022-05-20T14:20:24Z2022-05-20T14:20:24Z2022-01-25Nascimento, André Barreto. Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE. São Cristóvão, 2022. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2022http://ri.ufs.br/jspui/handle/riufs/15733Informality is a growing phenomenon in Brazil and the difficulty of accessing credit for the poorest has been identified as one of the main reasons that sustain the maintenance of poverty and social inequality. The Crediamigo microcredit program, the largest oriented productive microcredit program in South America, facilitates access to credit for thousands of entrepreneurs belonging to the informal and formal sectors of the economy. In this sense, this study seeks to analyze microcredit from the perspective of employees of the Crediamigo of the Jardins neighborhood unit in the city of Aracaju/SE. The research is based on a theoretical design that brings the concept and definition of microcredit, the history and evolution of microcredit in the world, in Latin America and in Brazil, the main economic impacts of microcredit, the forms of microcredit used in Brazil, the microcredit experiences in Latin America and Brazil and the characterization of the Crediamigo microcredit program. This is descriptive research in which questionnaires were applied to individual microcredit workers belonging to the unit under study in order to draw the profile, understand the perception of the importance of microcredit in the national scenario and verify its importance for the growth of the businesses covered. with the microcredit lines. In addition, it included a comparison with previously published articles, located in systematized searches. The conclusions reached are in line with the literature and bring positive results, such as the perception of Crediamigo employees that credit lines favor the growth of microentrepreneurs, which place the Crediamigo microcredit program as an effective regional instrument for credit distribution, providing development and growth to the businesses covered.A informalidade é um fenômeno em grande crescimento no Brasil e a dificuldade de acesso ao crédito por parte dos mais pobres tem sido apontada como um dos principais motivos que sustentam a manutenção da pobreza e a desigualdade social. O programa de microcrédito Crediamigo, maior programa de microcrédito produtivo orientado da América do Sul, facilita o acesso ao crédito para milhares de empreendedores pertencentes aos setores informal e formal da economia, neste sentido, esse estudo busca analisar o microcrédito sob a perspectiva dos funcionários do Crediamigo da unidade do bairro Jardins na Cidade de Aracaju/SE. A pesquisa fundamenta-se em um desenho teórico que traz o conceito e a definição de microcrédito, a história e a evolução do microcrédito no mundo, na América Latina e no Brasil, os principais impactos econômicos do microcrédito, as formas de microcrédito utilizadas no Brasil, as experiências de microcrédito na América Latina e no Brasil e a caracterização do programa de microcrédito Crediamigo. Trata-se de uma pesquisa descritiva onde foram aplicados questionários aos indivíduos trabalhadores do microcrédito pertencentes a unidade objeto de estudo com o objetivo de traçar o perfil, conhecer a percepção da importância do microcrédito no cenário nacional e verificar a importância para o crescimento dos negócios contemplados com as linhas de microcrédito. Em adicional, contemplou um comparativo com artigos anteriormente publicados, localizados em buscas sistematizadas. As conclusões alcançadas estão em aderência com a literatura e trazem resultados positivos, como a percepção dos funcionários do Crediamigo de que as linhas de crédito favorecem o crescimento dos microempreendedores, o que colocam o programa de microcrédito Crediamigo como eficaz instrumento regional de distribuição de crédito, propiciando desenvolvimento e crescimento aos negócios contemplados.São Cristóvão, SEporAdministraçãoEnsino de administraçãoMicrocréditoAgente de créditoPolíticas de créditoCrediamigoMicrocreditCredit agentCredit politicsCrediamigoCIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRAAções de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SEinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/bachelorThesisUniversidade Federal de SergipeDAD - Departamento de Administração – São Cristóvão - Presencialreponame:Repositório Institucional da UFSinstname:Universidade Federal de Sergipe (UFS)instacron:UFSinfo:eu-repo/semantics/openAccessTEXTAndre_Barreto_Nascimento.pdf.txtAndre_Barreto_Nascimento.pdf.txtExtracted texttext/plain104306https://ri.ufs.br/jspui/bitstream/riufs/15733/3/Andre_Barreto_Nascimento.pdf.txt48698357913d2dc8c8dbad2a17eb757bMD53THUMBNAILAndre_Barreto_Nascimento.pdf.jpgAndre_Barreto_Nascimento.pdf.jpgGenerated Thumbnailimage/jpeg1249https://ri.ufs.br/jspui/bitstream/riufs/15733/4/Andre_Barreto_Nascimento.pdf.jpg616a188a35171b453785a3529f85a549MD54LICENSElicense.txtlicense.txttext/plain; charset=utf-81475https://ri.ufs.br/jspui/bitstream/riufs/15733/1/license.txt098cbbf65c2c15e1fb2e49c5d306a44cMD51ORIGINALAndre_Barreto_Nascimento.pdfAndre_Barreto_Nascimento.pdfapplication/pdf2008237https://ri.ufs.br/jspui/bitstream/riufs/15733/2/Andre_Barreto_Nascimento.pdf335b696ace50e0edff2b119ac6611ddfMD52riufs/157332023-01-19 20:09:48.054oai:ufs.br:riufs/15733TElDRU7Dh0EgREUgRElTVFJJQlVJw4fDg08gTsODTy1FWENMVVNJVkEKCkNvbSBhIGFwcmVzZW50YcOnw6NvIGRlc3RhIGxpY2Vuw6dhLCB2b2PDqiAobyBhdXRvcihlcykgb3UgbyB0aXR1bGFyIGRvcyBkaXJlaXRvcyBkZSBhdXRvcikgY29uY2VkZSDDoCBVbml2ZXJzaWRhZGUgRmVkZXJhbCBkZSBTZXJnaXBlIG8gZGlyZWl0byBuw6NvLWV4Y2x1c2l2byBkZSByZXByb2R1emlyIHNldSB0cmFiYWxobyBubyBmb3JtYXRvIGVsZXRyw7RuaWNvLCBpbmNsdWluZG8gb3MgZm9ybWF0b3Mgw6F1ZGlvIG91IHbDrWRlby4KClZvY8OqIGNvbmNvcmRhIHF1ZSBhIFVuaXZlcnNpZGFkZSBGZWRlcmFsIGRlIFNlcmdpcGUgcG9kZSwgc2VtIGFsdGVyYXIgbyBjb250ZcO6ZG8sIHRyYW5zcG9yIHNldSB0cmFiYWxobyBwYXJhIHF1YWxxdWVyIG1laW8gb3UgZm9ybWF0byBwYXJhIGZpbnMgZGUgcHJlc2VydmHDp8Ojby4KClZvY8OqIHRhbWLDqW0gY29uY29yZGEgcXVlIGEgVW5pdmVyc2lkYWRlIEZlZGVyYWwgZGUgU2VyZ2lwZSBwb2RlIG1hbnRlciBtYWlzIGRlIHVtYSBjw7NwaWEgZGUgc2V1IHRyYWJhbGhvIHBhcmEgZmlucyBkZSBzZWd1cmFuw6dhLCBiYWNrLXVwIGUgcHJlc2VydmHDp8Ojby4KClZvY8OqIGRlY2xhcmEgcXVlIHNldSB0cmFiYWxobyDDqSBvcmlnaW5hbCBlIHF1ZSB2b2PDqiB0ZW0gbyBwb2RlciBkZSBjb25jZWRlciBvcyBkaXJlaXRvcyBjb250aWRvcyBuZXN0YSBsaWNlbsOnYS4gVm9jw6ogdGFtYsOpbSBkZWNsYXJhIHF1ZSBvIGRlcMOzc2l0bywgcXVlIHNlamEgZGUgc2V1IGNvbmhlY2ltZW50bywgbsOjbyBpbmZyaW5nZSBkaXJlaXRvcyBhdXRvcmFpcyBkZSBuaW5ndcOpbS4KCkNhc28gbyB0cmFiYWxobyBjb250ZW5oYSBtYXRlcmlhbCBxdWUgdm9jw6ogbsOjbyBwb3NzdWkgYSB0aXR1bGFyaWRhZGUgZG9zIGRpcmVpdG9zIGF1dG9yYWlzLCB2b2PDqiBkZWNsYXJhIHF1ZSBvYnRldmUgYSBwZXJtaXNzw6NvIGlycmVzdHJpdGEgZG8gZGV0ZW50b3IgZG9zIGRpcmVpdG9zIGF1dG9yYWlzIHBhcmEgY29uY2VkZXIgw6AgVW5pdmVyc2lkYWRlIEZlZGVyYWwgZGUgU2VyZ2lwZSBvcyBkaXJlaXRvcyBhcHJlc2VudGFkb3MgbmVzdGEgbGljZW7Dp2EsIGUgcXVlIGVzc2UgbWF0ZXJpYWwgZGUgcHJvcHJpZWRhZGUgZGUgdGVyY2Vpcm9zIGVzdMOhIGNsYXJhbWVudGUgaWRlbnRpZmljYWRvIGUgcmVjb25oZWNpZG8gbm8gdGV4dG8gb3Ugbm8gY29udGXDumRvLgoKQSBVbml2ZXJzaWRhZGUgRmVkZXJhbCBkZSBTZXJnaXBlIHNlIGNvbXByb21ldGUgYSBpZGVudGlmaWNhciBjbGFyYW1lbnRlIG8gc2V1IG5vbWUocykgb3UgbyhzKSBub21lKHMpIGRvKHMpIApkZXRlbnRvcihlcykgZG9zIGRpcmVpdG9zIGF1dG9yYWlzIGRvIHRyYWJhbGhvLCBlIG7Do28gZmFyw6EgcXVhbHF1ZXIgYWx0ZXJhw6fDo28sIGFsw6ltIGRhcXVlbGFzIGNvbmNlZGlkYXMgcG9yIGVzdGEgbGljZW7Dp2EuIAo=Repositório InstitucionalPUBhttps://ri.ufs.br/oai/requestrepositorio@academico.ufs.bropendoar:2023-01-19T23:09:48Repositório Institucional da UFS - Universidade Federal de Sergipe (UFS)false |
dc.title.pt_BR.fl_str_mv |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
title |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
spellingShingle |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE Nascimento, André Barreto Administração Ensino de administração Microcrédito Agente de crédito Políticas de crédito Crediamigo Microcredit Credit agent Credit politics Crediamigo CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
title_short |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
title_full |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
title_fullStr |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
title_full_unstemmed |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
title_sort |
Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE |
author |
Nascimento, André Barreto |
author_facet |
Nascimento, André Barreto |
author_role |
author |
dc.contributor.author.fl_str_mv |
Nascimento, André Barreto |
dc.contributor.advisor1.fl_str_mv |
Duarte, Rodrigo Garcia |
dc.contributor.advisor-co1.fl_str_mv |
Farias, Eduardo Alberto da Silva |
contributor_str_mv |
Duarte, Rodrigo Garcia Farias, Eduardo Alberto da Silva |
dc.subject.por.fl_str_mv |
Administração Ensino de administração Microcrédito Agente de crédito Políticas de crédito Crediamigo |
topic |
Administração Ensino de administração Microcrédito Agente de crédito Políticas de crédito Crediamigo Microcredit Credit agent Credit politics Crediamigo CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
dc.subject.eng.fl_str_mv |
Microcredit Credit agent Credit politics Crediamigo |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO DE EMPRESAS::ADMINISTRACAO FINANCEIRA |
description |
Informality is a growing phenomenon in Brazil and the difficulty of accessing credit for the poorest has been identified as one of the main reasons that sustain the maintenance of poverty and social inequality. The Crediamigo microcredit program, the largest oriented productive microcredit program in South America, facilitates access to credit for thousands of entrepreneurs belonging to the informal and formal sectors of the economy. In this sense, this study seeks to analyze microcredit from the perspective of employees of the Crediamigo of the Jardins neighborhood unit in the city of Aracaju/SE. The research is based on a theoretical design that brings the concept and definition of microcredit, the history and evolution of microcredit in the world, in Latin America and in Brazil, the main economic impacts of microcredit, the forms of microcredit used in Brazil, the microcredit experiences in Latin America and Brazil and the characterization of the Crediamigo microcredit program. This is descriptive research in which questionnaires were applied to individual microcredit workers belonging to the unit under study in order to draw the profile, understand the perception of the importance of microcredit in the national scenario and verify its importance for the growth of the businesses covered. with the microcredit lines. In addition, it included a comparison with previously published articles, located in systematized searches. The conclusions reached are in line with the literature and bring positive results, such as the perception of Crediamigo employees that credit lines favor the growth of microentrepreneurs, which place the Crediamigo microcredit program as an effective regional instrument for credit distribution, providing development and growth to the businesses covered. |
publishDate |
2022 |
dc.date.accessioned.fl_str_mv |
2022-05-20T14:20:24Z |
dc.date.available.fl_str_mv |
2022-05-20T14:20:24Z |
dc.date.issued.fl_str_mv |
2022-01-25 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/bachelorThesis |
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bachelorThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
Nascimento, André Barreto. Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE. São Cristóvão, 2022. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2022 |
dc.identifier.uri.fl_str_mv |
http://ri.ufs.br/jspui/handle/riufs/15733 |
identifier_str_mv |
Nascimento, André Barreto. Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE. São Cristóvão, 2022. Monografia (graduação em Administração) - Departamento de Administração, Centro de Ciências Sociais Aplicadas, Universidade Federal de Sergipe, São Cristóvão, SE, 2022 |
url |
http://ri.ufs.br/jspui/handle/riufs/15733 |
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por |
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por |
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info:eu-repo/semantics/openAccess |
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openAccess |
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Universidade Federal de Sergipe |
dc.publisher.department.fl_str_mv |
DAD - Departamento de Administração – São Cristóvão - Presencial |
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