Disponibilidade de crédito e desenvolvimento regional
Autor(a) principal: | |
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Data de Publicação: | 2017 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional da UFU |
Texto Completo: | https://repositorio.ufu.br/handle/123456789/18651 http://doi.org/10.14393/ufu.di.2017.549 |
Resumo: | The objective of this study is to analyze which factors influence the availability of credit to the Minas Gerais municipalities grouped in growth poles as well as the impact of the availability of credit for regional development. Against the background of Perroux's concept of accumulation/growth poles and being guided by the post-Keynesian view that money is not neutral and affects the regional economy, this research is justified by the scarcity of work on the factors that influence it availability of credit at the regional level, so as to be able to draw a comparison between the regions, in this case, divided into the accumulation poles of the state of Minas Gerais through its 66 microregions and 12 meso-regions. In this context, the research problem is synthesized in two questions: a) what factors influence the availability of credit for the Minas Gerais municipalities grouped in accumulation/growth poles? And, b) given these factors, what is the impact of the availability of credit for regional development in the period from 1999 to 2011? Seeking to elucidate the questions described, this dissertation adds two articles on credit and regional development to the empirical literature. In the first one, it is assumed that the distance from the studied municipality to its center of growth (hypercenter) has a negative effect on the amount of credit available, that the higher the preference for bank liquidity, the lower the availability of and that Gross Domestic Product (GDP), time deposits and population have a positive effect on the availability of credit, noting that the higher these factors, the greater the availability of credit. From regressions using the panel data technique, there is evidence that the distance is rather related to the available credit, but the effect is positive, showing that the greater the distance, the greater the credit available. The other hypotheses were confirmed for the Minas municipalities grouped in growth poles, given the positive relationship between the variables GDP, time deposits and population with the available credit and the negative relation between the preference for bank liquidity and credit. The second article, in a complementary manner and considering the question of the impact of credit on regional development, evaluated whether credit, representing financial development, has an impact on the variable GDP, used here as a representative of regional development, and concluded that credit has a positive and significant relationship at the 1% level with regional development. In all, the dissertation contributed to the inclusion of one more variable (distance) in the studies that relate credit and regional development, demonstrating that this is an important fact analysis besides showing that economic development has as one of its factors of influence credit, observing that the greater the credit available, the greater the development of a given region tends to be. The population analyzed in the two articles is made up of 853 municipalities in the state of Minas Gerais grouped in accumulation/growth poles (through their meso and microregions) with data referring to the availability of credit in the period from 1999 to 2011 available on the Central Bank's website (Bacen) and other information provided by the Institute of Applied Economic Research (Ipea), the Brazilian Institute of Geography and Statistics (IBGE). |
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Disponibilidade de crédito e desenvolvimento regionalAdministraçãoCréditosDepositos bancáriosDesenvolvimento regionalProduto interno brutoCréditoPreferência pela liquidezPolos de acumulaçãoNeutralidade da moedaPIBDistânciaPreference for liquidityAccumulation polesNeutrality of the currencyRegional developmentGDPDistanceCreditCNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAOThe objective of this study is to analyze which factors influence the availability of credit to the Minas Gerais municipalities grouped in growth poles as well as the impact of the availability of credit for regional development. Against the background of Perroux's concept of accumulation/growth poles and being guided by the post-Keynesian view that money is not neutral and affects the regional economy, this research is justified by the scarcity of work on the factors that influence it availability of credit at the regional level, so as to be able to draw a comparison between the regions, in this case, divided into the accumulation poles of the state of Minas Gerais through its 66 microregions and 12 meso-regions. In this context, the research problem is synthesized in two questions: a) what factors influence the availability of credit for the Minas Gerais municipalities grouped in accumulation/growth poles? And, b) given these factors, what is the impact of the availability of credit for regional development in the period from 1999 to 2011? Seeking to elucidate the questions described, this dissertation adds two articles on credit and regional development to the empirical literature. In the first one, it is assumed that the distance from the studied municipality to its center of growth (hypercenter) has a negative effect on the amount of credit available, that the higher the preference for bank liquidity, the lower the availability of and that Gross Domestic Product (GDP), time deposits and population have a positive effect on the availability of credit, noting that the higher these factors, the greater the availability of credit. From regressions using the panel data technique, there is evidence that the distance is rather related to the available credit, but the effect is positive, showing that the greater the distance, the greater the credit available. The other hypotheses were confirmed for the Minas municipalities grouped in growth poles, given the positive relationship between the variables GDP, time deposits and population with the available credit and the negative relation between the preference for bank liquidity and credit. The second article, in a complementary manner and considering the question of the impact of credit on regional development, evaluated whether credit, representing financial development, has an impact on the variable GDP, used here as a representative of regional development, and concluded that credit has a positive and significant relationship at the 1% level with regional development. In all, the dissertation contributed to the inclusion of one more variable (distance) in the studies that relate credit and regional development, demonstrating that this is an important fact analysis besides showing that economic development has as one of its factors of influence credit, observing that the greater the credit available, the greater the development of a given region tends to be. The population analyzed in the two articles is made up of 853 municipalities in the state of Minas Gerais grouped in accumulation/growth poles (through their meso and microregions) with data referring to the availability of credit in the period from 1999 to 2011 available on the Central Bank's website (Bacen) and other information provided by the Institute of Applied Economic Research (Ipea), the Brazilian Institute of Geography and Statistics (IBGE).Dissertação (Mestrado)Este trabalho tem como objetivo analisar quais os fatores influenciam a disponibilidade de crédito para os municípios mineiros agrupados em polos de crescimento bem como o impacto da disponibilidade de crédito para o desenvolvimento regional. Tendo como pano de fundo o conceito de polos de acumulação/crescimento de Perroux e sendo orientada pela visão pós- keynesiana de que a moeda não é neutra e afeta a economia regional, esta pesquisa se justifica pela escassez de trabalhos sobre os fatores que influenciam tal disponibilidade de crédito a nível regional, de forma a poder, inclusive, traçar uma comparação entre as regiões, neste caso, divididas nos polos de acumulação do estado de Minas Gerais através de suas 66 microrregiões e 12 mesorregiões. Neste contexto, o problema de pesquisa é sintetizado em dois questionamentos: a) quais os fatores influenciam a disponibilidade de crédito para os municípios mineiros agrupados em polos de acumulação/crescimento? E, b) postos esses fatores, qual é o impacto da disponibilidade de crédito para o desenvolvimento regional no período de 1999 a 2011? Buscando elucidar os questionamentos descritos, esta dissertação acrescenta dois artigos sobre crédito e desenvolvimento regional à literatura empírica. No primeiro, parte-se das hipóteses de que a distância do município estudado até o seu polo de crescimento (hipercentro) tem um efeito negativo no montante de crédito disponibilizado, que quanto maior a preferência pela liquidez bancária, menor tende a ser a disponibilidade de crédito e que o Produto Interno Bruto (PIB), os depósitos a prazo e a população tem um efeito positivo na disponibilidade de crédito, observando que quanto maiores estes fatores, maior a disponibilidade de crédito. A partir de regressões utilizando-se a técnica de dados em painel, verifica-se evidências de que a distância apresenta sim relação com o crédito disponibilizado, no entanto o efeito é positivo, demonstrando que quanto maior a distância, maior é o crédito disponibilizado. As demais hipóteses se confirmaram para os municípios mineiros agrupados em polos de crescimento haja vista a relação positiva entre as variáveis PIB, depósitos a prazo e população com o crédito disponibilizado e a relação negativa entre a preferência pela liquidez bancária e o crédito. O segundo artigo, de forma complementar e atendendo ao questionamento do impacto do crédito no desenvolvimento regional, avaliou se o crédito, representando desenvolvimento financeiro, tem impacto na variável PIB, aqui utilizado como representante do desenvolvimento regional, concluindo-se que o crédito apresenta uma relação positiva e significante ao nível de 1% com o desenvolvimento regional. Ao todo, a dissertação contribuiu com a inclusão de mais uma variável (distância) nos estudos que relacionam crédito e desenvolvimento regional, demonstrando ser esta uma análise de fato importante além de evidenciar que o desenvolvimento econômico tem como um de seus fatores de influência o crédito, observando que quanto maior o crédito disponibilizado, maior tende a ser o desenvolvimento de determinada região. A população analisada nos dois artigos é composta pelos 853 municípios do estado de Minas Gerais agrupados em polos de acumulação/crescimento (através de suas meso e microrregiões) com dados referentes à disponibilidade de crédito no período de 1999 a 2011 disponíveis no sitio do Banco Central (Bacen) e as demais informações disponibilizadas no Instituto de Pesquisa Econômica Aplicada (Ipea), no Instituto Brasileiro de Geografia e Estatística (IBGE).Universidade Federal de UberlândiaBrasilPrograma de Pós-graduação em AdministraçãoRibeiro, Kárem Cristina de Sousahttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4770825J9Carvalho, Luciano Ferreirahttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4232555Y3Pimenta, Daiana Paulahttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4237612J0França, Alex Luiz da Costa2017-05-16T17:27:25Z2017-05-16T17:27:25Z2017-02-22info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfFRANÇA, Alex Luiz da Costa. Disponibilidade de crédito e desenvolvimento regional. 2017. 80 f. Dissertação (Mestrado em Administração) - Universidade Federal de Uberlândia, Uberlândia, 2017. DOI http://doi.org/10.14393/ufu.di.2017.549https://repositorio.ufu.br/handle/123456789/18651http://doi.org/10.14393/ufu.di.2017.549porinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional da UFUinstname:Universidade Federal de Uberlândia (UFU)instacron:UFU2020-09-10T23:56:41Zoai:repositorio.ufu.br:123456789/18651Repositório InstitucionalONGhttp://repositorio.ufu.br/oai/requestdiinf@dirbi.ufu.bropendoar:2020-09-10T23:56:41Repositório Institucional da UFU - Universidade Federal de Uberlândia (UFU)false |
dc.title.none.fl_str_mv |
Disponibilidade de crédito e desenvolvimento regional |
title |
Disponibilidade de crédito e desenvolvimento regional |
spellingShingle |
Disponibilidade de crédito e desenvolvimento regional França, Alex Luiz da Costa Administração Créditos Depositos bancários Desenvolvimento regional Produto interno bruto Crédito Preferência pela liquidez Polos de acumulação Neutralidade da moeda PIB Distância Preference for liquidity Accumulation poles Neutrality of the currency Regional development GDP Distance Credit CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
title_short |
Disponibilidade de crédito e desenvolvimento regional |
title_full |
Disponibilidade de crédito e desenvolvimento regional |
title_fullStr |
Disponibilidade de crédito e desenvolvimento regional |
title_full_unstemmed |
Disponibilidade de crédito e desenvolvimento regional |
title_sort |
Disponibilidade de crédito e desenvolvimento regional |
author |
França, Alex Luiz da Costa |
author_facet |
França, Alex Luiz da Costa |
author_role |
author |
dc.contributor.none.fl_str_mv |
Ribeiro, Kárem Cristina de Sousa http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4770825J9 Carvalho, Luciano Ferreira http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4232555Y3 Pimenta, Daiana Paula http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K4237612J0 |
dc.contributor.author.fl_str_mv |
França, Alex Luiz da Costa |
dc.subject.por.fl_str_mv |
Administração Créditos Depositos bancários Desenvolvimento regional Produto interno bruto Crédito Preferência pela liquidez Polos de acumulação Neutralidade da moeda PIB Distância Preference for liquidity Accumulation poles Neutrality of the currency Regional development GDP Distance Credit CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
topic |
Administração Créditos Depositos bancários Desenvolvimento regional Produto interno bruto Crédito Preferência pela liquidez Polos de acumulação Neutralidade da moeda PIB Distância Preference for liquidity Accumulation poles Neutrality of the currency Regional development GDP Distance Credit CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
description |
The objective of this study is to analyze which factors influence the availability of credit to the Minas Gerais municipalities grouped in growth poles as well as the impact of the availability of credit for regional development. Against the background of Perroux's concept of accumulation/growth poles and being guided by the post-Keynesian view that money is not neutral and affects the regional economy, this research is justified by the scarcity of work on the factors that influence it availability of credit at the regional level, so as to be able to draw a comparison between the regions, in this case, divided into the accumulation poles of the state of Minas Gerais through its 66 microregions and 12 meso-regions. In this context, the research problem is synthesized in two questions: a) what factors influence the availability of credit for the Minas Gerais municipalities grouped in accumulation/growth poles? And, b) given these factors, what is the impact of the availability of credit for regional development in the period from 1999 to 2011? Seeking to elucidate the questions described, this dissertation adds two articles on credit and regional development to the empirical literature. In the first one, it is assumed that the distance from the studied municipality to its center of growth (hypercenter) has a negative effect on the amount of credit available, that the higher the preference for bank liquidity, the lower the availability of and that Gross Domestic Product (GDP), time deposits and population have a positive effect on the availability of credit, noting that the higher these factors, the greater the availability of credit. From regressions using the panel data technique, there is evidence that the distance is rather related to the available credit, but the effect is positive, showing that the greater the distance, the greater the credit available. The other hypotheses were confirmed for the Minas municipalities grouped in growth poles, given the positive relationship between the variables GDP, time deposits and population with the available credit and the negative relation between the preference for bank liquidity and credit. The second article, in a complementary manner and considering the question of the impact of credit on regional development, evaluated whether credit, representing financial development, has an impact on the variable GDP, used here as a representative of regional development, and concluded that credit has a positive and significant relationship at the 1% level with regional development. In all, the dissertation contributed to the inclusion of one more variable (distance) in the studies that relate credit and regional development, demonstrating that this is an important fact analysis besides showing that economic development has as one of its factors of influence credit, observing that the greater the credit available, the greater the development of a given region tends to be. The population analyzed in the two articles is made up of 853 municipalities in the state of Minas Gerais grouped in accumulation/growth poles (through their meso and microregions) with data referring to the availability of credit in the period from 1999 to 2011 available on the Central Bank's website (Bacen) and other information provided by the Institute of Applied Economic Research (Ipea), the Brazilian Institute of Geography and Statistics (IBGE). |
publishDate |
2017 |
dc.date.none.fl_str_mv |
2017-05-16T17:27:25Z 2017-05-16T17:27:25Z 2017-02-22 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
FRANÇA, Alex Luiz da Costa. Disponibilidade de crédito e desenvolvimento regional. 2017. 80 f. Dissertação (Mestrado em Administração) - Universidade Federal de Uberlândia, Uberlândia, 2017. DOI http://doi.org/10.14393/ufu.di.2017.549 https://repositorio.ufu.br/handle/123456789/18651 http://doi.org/10.14393/ufu.di.2017.549 |
identifier_str_mv |
FRANÇA, Alex Luiz da Costa. Disponibilidade de crédito e desenvolvimento regional. 2017. 80 f. Dissertação (Mestrado em Administração) - Universidade Federal de Uberlândia, Uberlândia, 2017. DOI http://doi.org/10.14393/ufu.di.2017.549 |
url |
https://repositorio.ufu.br/handle/123456789/18651 http://doi.org/10.14393/ufu.di.2017.549 |
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por |
language |
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openAccess |
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Universidade Federal de Uberlândia Brasil Programa de Pós-graduação em Administração |
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Universidade Federal de Uberlândia Brasil Programa de Pós-graduação em Administração |
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reponame:Repositório Institucional da UFU instname:Universidade Federal de Uberlândia (UFU) instacron:UFU |
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Universidade Federal de Uberlândia (UFU) |
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UFU |
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UFU |
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Repositório Institucional da UFU |
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Repositório Institucional da UFU |
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Repositório Institucional da UFU - Universidade Federal de Uberlândia (UFU) |
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diinf@dirbi.ufu.br |
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