Avaliação de Programas de Microcrédito do Banco do Nordeste

Abstract

This paper is an evaluation of two diferents microcredit programs of Banco do Nordeste: Crediamigo, a type of productive microcredit and the Programa de Apoio a Projetos Produtivos Solidários (PAPPS), that finances the Fundos Rotativos Solidários (FRS), a type of solidarity microfinance. The evaluation methodology is focused on ethnography, which allows the representations, the viewpoint and the perspectives of the actors involved in these programs. The research results indicate to different impacts of the programs on the income of beneficiaries, but also as social and political dimensions: Crediamigo approaches an integration of informal workers in the market, and the PAPPS reinforces the political and economic values of the Solidarity Economy. The research was developed from the Núcleo Multidisciplinar de Pesquisa (NUMAPP), Master Avaliação de Políticas Públicas da Universidade Federal do Ceará composes the students and employees of Banco do Nordeste.