Microcrédito no norte de Minas Gerais: formulação, implementação e avaliação do CrediAmigo

• Autor(a) principal: Capobiango, Ronan Pereira
• Data de Publicação: 2012
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: LOCUS Repositório Institucional da UFV
• Texto Completo: http://locus.ufv.br/handle/123456789/1962
• topic: Microcrédito; Política pública; Avaliação; Microcredit; Public policy; Evaluation; CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO::ADMINISTRACAO PUBLICA

This research aimed to evaluate the political process of CrediAmigo Program, considered the biggest program of guided productive microcredit in the country, in the approach of political cycle according to the perceptions of their managers, and evaluate the impacts of the program on their beneficiaries and related to their ventures in municipalities served by Banco do Nordeste (Northeast s Bank) in northern of Minas Gerais. This proposal differs from the others, among other things, by approaching the program from a perspective of political cycle, and by its relation to methodological aspects, by using the method of propensity score matching to identify the program's impact on the outcome variables of the enterprises studied. Regarding to the evaluation of political process and the impacts of the program on managers, beneficiaries and assessors perceptions, the qualitative analysis was used through the technique of content analysis. In this sense, it was identified that CrediAmigo was designed in order to grant credit to those ones who work in informal or formal sectors of the economy, which were marginalize by the traditional system. All the support and assistance in the formulation of the program obtained by the Northeast s Bank itself and the World Bank, the consulting services provided by Acción, the experiences observed in models that has worked and the research conducted in the context of performance of the program were factors that contributed to the success on the formulation stage. Among the factors that lead the implementation process of the program, stands out: the proper choice of the program s methodology, the management tool that has been segmented from other bank areas, the constant support from international consultancies and from the World Bank, besides training and qualifying people investments. Overall, the CrediAmigo Program, on the perception of managers, credit/coordinators advisors and beneficiaries, has demonstrated the meaning of guided productive microcredit in the promotion of productive activities, highlighting positive results on billings of businesses in northern Minas Gerais municipalities and consequent increases in the beneficiaries income, which has resulted, on their own perceptions, improvements in quality of life. Considering the expansion of the program throughout its 14 years, it was possible to identify some points that require management attention to attend its beneficiaries satisfactorily and continue growing solidly. Among these points there is the question of capillarity, the physical structure of the service agencies, the reduced number of employees, technological limitations, lack of a postal bank, as well as some operational questions of CrediAmigo. Over the program impacts on project s outcomes, there was an average, positive and significant impact in the outcomes of assisted companies in the north of Minas Gerais by Banco do Nordeste, expressed by the mean value of the monthly revenue and the mean value of the operating income, approximately R$525.30 and R$214.27, respectively, resulting from participation in the CrediAmigo Program. Given the positive evaluation of the guided productive microcredit impacts, government measures are recommended encouraging this policy.