O microcrédito como fator de geração de renda e emprego

Abstract

The importance of the microcredit in the generation of income and job is the main objective of the present study. The last public politics launched in the four years directed to the low income population, in regards to credit and access to the financial system, are searched and presented, by means of data and information collecting next to the regulating and promotional agencies of these politics, as the Brazilian Central Bank and the northeast Bank, the Ministry of the Work and Job, the Brazilian Institute of Geography and Statistics - IBGE and studies carried through for private institutions of education, as the Getúlio Vargas Foundation, and organisms of external study and research, as the Economic Commission for Latin America and the Caribbean - CEPAL. The presentation of this work consists in the contextualization of the microcredit, its description and form of acting in Brazil, with emphasis in the National Program of Guided Productive Microcredit - PNMPO. Another prominent object of study was the program of guided microcredit of the northeast Bank, the CREDIAMIGO, as example of success in the Country. The results consist of special chapter, showing the positive impacts of the adoption and intensification of the programs in all the spheres, in the reduction of poverty, the generation of income (and its better distribution) and job in this period. In the conclusion, it was evidenced the success of the adopted politics and the accomplishment of the proposed objectives, mainly of governmental initiative, standing out that its maintenance and improvement, as well as an improved organization of all the microfina