SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS
Autor(a) principal: | |
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Data de Publicação: | 2019 |
Outros Autores: | , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Caminhos de Geografia |
Texto Completo: | https://seer.ufu.br/index.php/caminhosdegeografia/article/view/42514 |
Resumo: | Demand for financial resources is a recurrent need in Reusable and Recyclable Material Picker Organizations (OCMRR in Portuguese acronym). However, there is a lack of credit supply (either loans or financing) in the traditional market, and this has a considerable influence on the financial organization of the OCMRR. To evidence this, the purpose of this paper is to identify and analyze the sources of credit (loans and financing) available for the OCMRR in the state of São Paulo, pointing out difficulties and challenges. To do so, we collected information from traditional financial institutions in the state of São Paulo, as well as in public institutions involved in the Solid Waste theme. It was possible to identify that the supply of financial resources is deficient in the state since the traditional banks do not present specific lines for these types of organization. Also, the OCMRR are dependent on joint action with Municipal City Halls or Universities for the preparation of projects for fundraising. Finally, it is evident that there is a gap between the conditions required by the sources of credit and the condition presented by the OCMRR, indicating the situation of financial exclusion of these organizations. |
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SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS FONTES DE CRÉDITO (EMPRÉSTIMOS E FINANCIAMENTOS) DISPONÍVEIS PARA ORGANIZAÇÕES DE CATADORES DE MATERIAIS REUTILIZÁVEIS E RECICLÁVEISRecursos financeirosResíduos sólidosOCMRRFinancial resourcesSolid wasteOCMRRDemand for financial resources is a recurrent need in Reusable and Recyclable Material Picker Organizations (OCMRR in Portuguese acronym). However, there is a lack of credit supply (either loans or financing) in the traditional market, and this has a considerable influence on the financial organization of the OCMRR. To evidence this, the purpose of this paper is to identify and analyze the sources of credit (loans and financing) available for the OCMRR in the state of São Paulo, pointing out difficulties and challenges. To do so, we collected information from traditional financial institutions in the state of São Paulo, as well as in public institutions involved in the Solid Waste theme. It was possible to identify that the supply of financial resources is deficient in the state since the traditional banks do not present specific lines for these types of organization. Also, the OCMRR are dependent on joint action with Municipal City Halls or Universities for the preparation of projects for fundraising. Finally, it is evident that there is a gap between the conditions required by the sources of credit and the condition presented by the OCMRR, indicating the situation of financial exclusion of these organizations.A demanda por recursos financeiros é uma necessidade recorrente nas Organizações de Catadores de Materiais Reutilizáveis e Recicláveis (OCMRR). No entanto, existe uma carência na oferta de crédito (seja de empréstimos ou de financiamentos) no mercado tradicional e isto influencia consideravelmente a organização financeira das OCMRR. Visto isso, objetivou-se identificar e analisar as fontes de crédito (empréstimos e financiamentos) disponíveis para essas OCMRR do estado de São Paulo, apontando dificuldades e desafios. Para tanto, foi realizado um levantamento destas informações junto a instituições financeiras tradicionais no estado de São Paulo, bem como em instituições públicas envolvidas na temática de Resíduos Sólidos. Foi possível identificar que a oferta desses recursos é deficitária no estado, pois os bancos tradicionais não apresentam linhas específicas para esses tipos de empreendimentos. Além disso, as OCMRR ficam dependentes da atuação conjunta com Prefeituras Municipais e/ou Instituições de Ensino para a elaboração de projetos e captação de recursos. Por fim, evidencia-se que há um hiato entre as condições requeridas pelas fontes de crédito e a condição apresentada pelas OCMRR, indicando situação de exclusão financeira dessas organizações.EDUFU - Editora da Universidade Federal de Uberlândia2019-08-02info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionAvaliado pelos paresapplication/pdfhttps://seer.ufu.br/index.php/caminhosdegeografia/article/view/4251410.14393/RCG207042514Caminhos de Geografia; Vol. 20 No. 70 (2019): Junho; 158-178Caminhos de Geografia; Vol. 20 Núm. 70 (2019): Junho; 158-178Caminhos de Geografia; v. 20 n. 70 (2019): Junho; 158-1781678-6343reponame:Caminhos de Geografiainstname:Universidade Federal de Uberlândia (UFU)instacron:UFUporhttps://seer.ufu.br/index.php/caminhosdegeografia/article/view/42514/26623Copyright (c) 2019 Patricia Lopes Freire Pupin, Lívia Martinez Brumatti, Ana Claudia Giannini Giannini Borgesinfo:eu-repo/semantics/openAccessPupin, Patricia Lopes FreireBrumatti, Lívia Martinez Borges, Ana Claudia Giannini2019-11-26T16:15:51Zoai:ojs.www.seer.ufu.br:article/42514Revistahttps://seer.ufu.br/index.php/caminhosdegeografia/indexPUBhttp://www.seer.ufu.br/index.php/caminhosdegeografia/oaiflaviasantosgeo@gmail.com1678-63431678-6343opendoar:2019-11-26T16:15:51Caminhos de Geografia - Universidade Federal de Uberlândia (UFU)false |
dc.title.none.fl_str_mv |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS FONTES DE CRÉDITO (EMPRÉSTIMOS E FINANCIAMENTOS) DISPONÍVEIS PARA ORGANIZAÇÕES DE CATADORES DE MATERIAIS REUTILIZÁVEIS E RECICLÁVEIS |
title |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
spellingShingle |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS Pupin, Patricia Lopes Freire Recursos financeiros Resíduos sólidos OCMRR Financial resources Solid waste OCMRR |
title_short |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
title_full |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
title_fullStr |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
title_full_unstemmed |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
title_sort |
SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS |
author |
Pupin, Patricia Lopes Freire |
author_facet |
Pupin, Patricia Lopes Freire Brumatti, Lívia Martinez Borges, Ana Claudia Giannini |
author_role |
author |
author2 |
Brumatti, Lívia Martinez Borges, Ana Claudia Giannini |
author2_role |
author author |
dc.contributor.author.fl_str_mv |
Pupin, Patricia Lopes Freire Brumatti, Lívia Martinez Borges, Ana Claudia Giannini |
dc.subject.por.fl_str_mv |
Recursos financeiros Resíduos sólidos OCMRR Financial resources Solid waste OCMRR |
topic |
Recursos financeiros Resíduos sólidos OCMRR Financial resources Solid waste OCMRR |
description |
Demand for financial resources is a recurrent need in Reusable and Recyclable Material Picker Organizations (OCMRR in Portuguese acronym). However, there is a lack of credit supply (either loans or financing) in the traditional market, and this has a considerable influence on the financial organization of the OCMRR. To evidence this, the purpose of this paper is to identify and analyze the sources of credit (loans and financing) available for the OCMRR in the state of São Paulo, pointing out difficulties and challenges. To do so, we collected information from traditional financial institutions in the state of São Paulo, as well as in public institutions involved in the Solid Waste theme. It was possible to identify that the supply of financial resources is deficient in the state since the traditional banks do not present specific lines for these types of organization. Also, the OCMRR are dependent on joint action with Municipal City Halls or Universities for the preparation of projects for fundraising. Finally, it is evident that there is a gap between the conditions required by the sources of credit and the condition presented by the OCMRR, indicating the situation of financial exclusion of these organizations. |
publishDate |
2019 |
dc.date.none.fl_str_mv |
2019-08-02 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Avaliado pelos pares |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://seer.ufu.br/index.php/caminhosdegeografia/article/view/42514 10.14393/RCG207042514 |
url |
https://seer.ufu.br/index.php/caminhosdegeografia/article/view/42514 |
identifier_str_mv |
10.14393/RCG207042514 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://seer.ufu.br/index.php/caminhosdegeografia/article/view/42514/26623 |
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 |
EDUFU - Editora da Universidade Federal de Uberlândia |
publisher.none.fl_str_mv |
EDUFU - Editora da Universidade Federal de Uberlândia |
dc.source.none.fl_str_mv |
Caminhos de Geografia; Vol. 20 No. 70 (2019): Junho; 158-178 Caminhos de Geografia; Vol. 20 Núm. 70 (2019): Junho; 158-178 Caminhos de Geografia; v. 20 n. 70 (2019): Junho; 158-178 1678-6343 reponame:Caminhos de Geografia instname:Universidade Federal de Uberlândia (UFU) instacron:UFU |
instname_str |
Universidade Federal de Uberlândia (UFU) |
instacron_str |
UFU |
institution |
UFU |
reponame_str |
Caminhos de Geografia |
collection |
Caminhos de Geografia |
repository.name.fl_str_mv |
Caminhos de Geografia - Universidade Federal de Uberlândia (UFU) |
repository.mail.fl_str_mv |
flaviasantosgeo@gmail.com |
_version_ |
1797067016572502016 |