AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.

Detalhes bibliográficos
Autor(a) principal: RETAMIRO, Wiliam
Data de Publicação: 2023
Outros Autores: MACHADO, Maria Lúcia Teixeira
Tipo de documento: Artigo
Idioma: por
Título da fonte: Org & Demo (Online)
Texto Completo: https://revistas.marilia.unesp.br/index.php/orgdemo/article/view/15044
Resumo: The Community Development Banks (BCD) constituted an essential socio-technical adaptation that expresses the concept of solidarity technoscience in the world of solidarity finance, contributing to the dissemination, democratization and consolidation of financial democracy through the use of social currencies. However, after the period of the political and economic crisis that began in 2013, the resources allocated to the CDBs were extinguished, which left the equipment less structured and, consequently, in a situation of difficult continuity of its activities or even the closure of its activities. In view of this, this work aims to verify the financial self-sustainability of the CDBs by raising funds directly from potential investors based on the eventual approval of PLP 93/2007, which proposes to authorize the direct raising of funds by the BCDs. Conducted through field research with the application of a questionnaire to potential investors in the CDB, it identified the results of conditionalities beyond the possibility of social impact businesses, the need for a repositioning regarding the management of the CDB, in order to maintain self-sustainability without losing the basic principle of solidarity economy, which is to be a humanized form of economy.  
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spelling AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.AUTOSOSTENIBILIDAD DE LOS BANCOS COMUNITARIOS: APLICACIÓN DE INDICADORES ECONÓMICO-FINANCIEROS PARA LA POSIBLE CAPTACIÓN DE RECURSOS DIRECTOS CON INVERSORES.AUTOSSUSTENTABILIDADE DOS BANCOS COMUNITÁRIOS: APLICAÇÃO DE INDICADORES ECONÔMICO-FINANCEIROS PARA A POTENCIAL CAPTAÇÃO DE RECURSOS DIRETOS COM APLICADORESAutossustentabilidade financeiraBancos Comunitários de DesenvolvimentoFinanças SolidáriasTecnociência SolidáriaTecnociência Solidária Sociotechnical SuitabilityFinancial self-sustainability.Community Development BanksSolidarity FinanceSolidary TechnoscienceAdecuación sociotécnica.Autosostenibilidad financieraBancos Comunitarios de DesarrolloFinanzas SolidariasTecnociencia SolidariaThe Community Development Banks (BCD) constituted an essential socio-technical adaptation that expresses the concept of solidarity technoscience in the world of solidarity finance, contributing to the dissemination, democratization and consolidation of financial democracy through the use of social currencies. However, after the period of the political and economic crisis that began in 2013, the resources allocated to the CDBs were extinguished, which left the equipment less structured and, consequently, in a situation of difficult continuity of its activities or even the closure of its activities. In view of this, this work aims to verify the financial self-sustainability of the CDBs by raising funds directly from potential investors based on the eventual approval of PLP 93/2007, which proposes to authorize the direct raising of funds by the BCDs. Conducted through field research with the application of a questionnaire to potential investors in the CDB, it identified the results of conditionalities beyond the possibility of social impact businesses, the need for a repositioning regarding the management of the CDB, in order to maintain self-sustainability without losing the basic principle of solidarity economy, which is to be a humanized form of economy.   Los Bancos Comunitarios de Desarrollo (BCD) constituyeron una adaptación sociotécnica fundamental que expressa el concepto de tecnociencia solidaria em el mundo de las finanzas solidarias, contribuyendo a la difusión, democratización y consolidación de la democracia financiera através del uso de las monedas sociales. Sin embargo, luego del período de crisis política y económica iniciado en 2013, los recursos destinados a los CDB se extinguieron, lo que dejó al equipo menos estructurado y, em consecuencia, en una situación de difícil continuidad de sus actividades o incluso el cierre de sus actividades. En vista de ello, este trabajo tiene como objetivo verificar la autosostenibilidad financiera de los CDB mediante la captación de fondos directamente de los potenciales inversores a partir de la eventual aprobación del PLP 93/2007, que propone autorizar la captación directa de fondos por parte de los BCD. Realizada através de una investigación de campo com la aplicación de um cuestionario a potenciales inversionistas en el CDB, identifico los resultados de condicionalidades más allá de la posibilidad de negocios de impacto social, la necesidad de um reposicionamento encuanto a la Gestión del CDB, a fin de mantener la autosostenibilidad sin perder el principio básico de la economía solidaria, que es ser una forma humanizada de economia.  Os Bancos Comunitários de Desenvolvimento (BCD) se constituíram como uma imprescindível adequação sociotécnica que expressa no mundo das finanças solidárias o conceito da tecnociência solidária, contribuindo para a difusão, democratização e consolidação da democracia financeira por meio do uso das moedas sociais. Contudo, após o período da crise política e econômica iniciada em 2013, os recursos destinados aos BCD foram extintos, o que deixou os equipamentos menos estruturados em situação de difícil continuidade de suas atividades ou até mesmo levando ao seu encerramento. Estetrabalho objetivou averiguar a autossustentabilidade financeira dos BCD, por meio da captação de recursos diretamente com potenciais aplicadores com base na eventual aprovação do Projeto de Lei Parlamentar no 93/2007, que propõe autorizar a captação direta de recursos pelos BCD. Realizada por meio de pesquisa de campo com a aplicação de questionários para potenciais investidores nos BCD, identificou como resultados as condicionalidades para além da possibilidade de negócios de impacto social e a necessidade de um reposicionamento quanto à gestão dos BCD, a fim de manter a autossustentabilidade sem a perda do princípio básico da economia solidária, que é o de ser uma forma de economia humanizada.  Faculdade de Filosofia e Ciências2023-11-21info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://revistas.marilia.unesp.br/index.php/orgdemo/article/view/1504410.36311/1519-0110.2024.v25.e024004ORG & DEMO; v. 25 (2024): Fluxo Contínuo; e024004ORG & DEMO; Vol. 25 (2024): Fluxo Contínuo; e024004ORG & DEMO; Vol. 25 (2024): Fluxo Contínuo; e0240042238-57031519-0110reponame:Org & Demo (Online)instname:Universidade Estadual Paulista (UNESP)instacron:UNESPporhttps://revistas.marilia.unesp.br/index.php/orgdemo/article/view/15044/15497Copyright (c) 2023 ORG & DEMOhttp://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessRETAMIRO, WiliamMACHADO, Maria Lúcia Teixeira2023-11-28T17:16:15Zoai:ojs.revistas.marilia.unesp.br:article/15044Revistahttps://revistas.marilia.unesp.br/index.php/orgdemoPUBhttps://revistas.marilia.unesp.br/index.php/orgdemo/oaiorgdemo.marilia@unesp.br2238-57031519-0110opendoar:2023-11-28T17:16:15Org & Demo (Online) - Universidade Estadual Paulista (UNESP)false
dc.title.none.fl_str_mv AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
AUTOSOSTENIBILIDAD DE LOS BANCOS COMUNITARIOS: APLICACIÓN DE INDICADORES ECONÓMICO-FINANCIEROS PARA LA POSIBLE CAPTACIÓN DE RECURSOS DIRECTOS CON INVERSORES.
AUTOSSUSTENTABILIDADE DOS BANCOS COMUNITÁRIOS: APLICAÇÃO DE INDICADORES ECONÔMICO-FINANCEIROS PARA A POTENCIAL CAPTAÇÃO DE RECURSOS DIRETOS COM APLICADORES
title AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
spellingShingle AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
RETAMIRO, Wiliam
Autossustentabilidade financeira
Bancos Comunitários de Desenvolvimento
Finanças Solidárias
Tecnociência Solidária
Tecnociência Solidária
Sociotechnical Suitability
Financial self-sustainability.
Community Development Banks
Solidarity Finance
Solidary Technoscience
Adecuación sociotécnica.
Autosostenibilidad financiera
Bancos Comunitarios de Desarrollo
Finanzas Solidarias
Tecnociencia Solidaria
title_short AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
title_full AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
title_fullStr AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
title_full_unstemmed AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
title_sort AUTOSUSTAINABILITY OF COMMUNITY BANKS: APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.
author RETAMIRO, Wiliam
author_facet RETAMIRO, Wiliam
MACHADO, Maria Lúcia Teixeira
author_role author
author2 MACHADO, Maria Lúcia Teixeira
author2_role author
dc.contributor.author.fl_str_mv RETAMIRO, Wiliam
MACHADO, Maria Lúcia Teixeira
dc.subject.por.fl_str_mv Autossustentabilidade financeira
Bancos Comunitários de Desenvolvimento
Finanças Solidárias
Tecnociência Solidária
Tecnociência Solidária
Sociotechnical Suitability
Financial self-sustainability.
Community Development Banks
Solidarity Finance
Solidary Technoscience
Adecuación sociotécnica.
Autosostenibilidad financiera
Bancos Comunitarios de Desarrollo
Finanzas Solidarias
Tecnociencia Solidaria
topic Autossustentabilidade financeira
Bancos Comunitários de Desenvolvimento
Finanças Solidárias
Tecnociência Solidária
Tecnociência Solidária
Sociotechnical Suitability
Financial self-sustainability.
Community Development Banks
Solidarity Finance
Solidary Technoscience
Adecuación sociotécnica.
Autosostenibilidad financiera
Bancos Comunitarios de Desarrollo
Finanzas Solidarias
Tecnociencia Solidaria
description The Community Development Banks (BCD) constituted an essential socio-technical adaptation that expresses the concept of solidarity technoscience in the world of solidarity finance, contributing to the dissemination, democratization and consolidation of financial democracy through the use of social currencies. However, after the period of the political and economic crisis that began in 2013, the resources allocated to the CDBs were extinguished, which left the equipment less structured and, consequently, in a situation of difficult continuity of its activities or even the closure of its activities. In view of this, this work aims to verify the financial self-sustainability of the CDBs by raising funds directly from potential investors based on the eventual approval of PLP 93/2007, which proposes to authorize the direct raising of funds by the BCDs. Conducted through field research with the application of a questionnaire to potential investors in the CDB, it identified the results of conditionalities beyond the possibility of social impact businesses, the need for a repositioning regarding the management of the CDB, in order to maintain self-sustainability without losing the basic principle of solidarity economy, which is to be a humanized form of economy.  
publishDate 2023
dc.date.none.fl_str_mv 2023-11-21
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://revistas.marilia.unesp.br/index.php/orgdemo/article/view/15044
10.36311/1519-0110.2024.v25.e024004
url https://revistas.marilia.unesp.br/index.php/orgdemo/article/view/15044
identifier_str_mv 10.36311/1519-0110.2024.v25.e024004
dc.language.iso.fl_str_mv por
language por
dc.relation.none.fl_str_mv https://revistas.marilia.unesp.br/index.php/orgdemo/article/view/15044/15497
dc.rights.driver.fl_str_mv Copyright (c) 2023 ORG & DEMO
http://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Copyright (c) 2023 ORG & DEMO
http://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Faculdade de Filosofia e Ciências
publisher.none.fl_str_mv Faculdade de Filosofia e Ciências
dc.source.none.fl_str_mv ORG & DEMO; v. 25 (2024): Fluxo Contínuo; e024004
ORG & DEMO; Vol. 25 (2024): Fluxo Contínuo; e024004
ORG & DEMO; Vol. 25 (2024): Fluxo Contínuo; e024004
2238-5703
1519-0110
reponame:Org & Demo (Online)
instname:Universidade Estadual Paulista (UNESP)
instacron:UNESP
instname_str Universidade Estadual Paulista (UNESP)
instacron_str UNESP
institution UNESP
reponame_str Org & Demo (Online)
collection Org & Demo (Online)
repository.name.fl_str_mv Org & Demo (Online) - Universidade Estadual Paulista (UNESP)
repository.mail.fl_str_mv orgdemo.marilia@unesp.br
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