Análise do programa de microcrédito do banco do Nordeste - Crediamigo: período de 2019 à 2020 no Ceará

Abstract

The results of Crediamigo in the range to be analyzed in this work show us that at the end of 2019, Banco do Nordeste accounted for the largest contingent of amounts applied in microcredit for productive enterprises in urban areas, acting as a strategy to reduce socioeconomic inequalities and in 2020 – already in the context of the Covid 19 pandemic – it continued to apply significantly. In all Brazilian states, social isolation measures were observed, which resulted in a strong impact on the Brazilian labor market, with a loss of millions in formal job vacancies, with the Northeast region being the second most affected. And although Ceará was not immune to this and was among the six states that lost the most jobs, Crediamigo varied its results positively. Through an exploratory and bibliographic quantitative research, this work aims to collect data that reveal the results of the microcredit program of Banco do Nordeste in the State of Ceará, through a list of main financial products and services added to Crediamigo and Banco do Nordeste-BNB, the points that serve as an evaluation of the program by the BNB, as well as criticizing the financial results in 2019 and 2020, and identifying the real result in the face of an unprecedented pandemic - until today - in Brazilian society. In this way, the work is guided by a study of data collected from BNB, IPECE and other academic and bibliographic works within Economic Science, with the methodology mainly analyzing the range of 2019 and 2020, sometimes releasing data and counterpoints before 2019. We sought to talk about the BNB - a Development Bank that manages Crediamigo, the origin of Microcredit, the public to which it is intended, the characterization of this public, the difficulties that this public presents to have access to credit and the advantages of if you work bank credit with them. Having presented this panorama, it is concluded that the results of Crediamigo were affected in some variables of its evaluation, and in others not, but in general - it was noticed growth of its applications - despite the atypical scenario - and that this relevant fact for the World economy did not harm the program in the sense of growth.