Evolução do microcrédito produtivo orientado no brasil

Abstract

Microcredit is an important tool for access to credit aimed at the low-income public. In view of this, it was questioned: What is the dynamic of Productive Microcredit Oriented operations in Brazil? As a general objective, we analyzed the evolution of Productive Oriented Microcredit operations in Brazil. The specific objectives were: to examine the implementation of productive microcredit oriented in Brazil as to the contracts made and the amounts granted; to verify the distribution of contracts according to the gender of the clients served, the legal situation and segments of economic activity. This study becomes relevant because it evaluates microcredit as an instrument for the development of entrepreneurship for the low-income public and contributes to the academic knowledge on this topic through the results. In addition, to provide visibility to Productive Oriented Microcredit as a modality for granting low-value loans and what are its contributions to the socioeconomic scenario. A bibliographical research was carried out and data was collected through the following websites: Central Bank of Brazil, Ministry of Labor and Economy, Inter-union Department of Statistics and Socioeconomic Studies. The evolution of Guided Productive Microcredit was analyzed since the creation of the National Guided Productive Microcredit Program (PNMPO). The results showed a consolidated evolution of this credit model over the analyzed period, inferring that it boosted small businesses in a growing manner. Therefore, the creation of this program fostered small enterprises and contributed to banking inclusion in Brazil.