Microcrédito e inclusão produtiva no Nordeste, Norte de Minas Gerais e Espírito Santo : impactos na renda e no emprego nos anos de 2019 a 2023

Abstract

This work analyzes the positive impact of microcredit on society, specifically on the income and employment levels of beneficiaries of the Crediamigo Program, operated by the Bank of Northeast Brazil. It also examines the limitations of this financial and productive inclusion tool. To this end, the study conducts a literature review on microcredit and the Crediamigo Program, as well as a descriptive statistical analysis of official program reports and regional data on its beneficiaries. The findings indicate that, although the program provides a high volume of credit, the support it offers requires complementary public policies to achieve full qualification and empowerment of microentrepreneurs. The program has also functioned as a financial resilience mechanism during critical economic periods and has played a significant role in the formalization and capacity-building of small businesses. The main limitations of this dissertation lie in the difficulty of accessing microdata on beneficiaries and the unavailability of certain data during the COVID-19 pandemic period. In conclusion, the program proves to be of great importance to society by facilitating access to credit for microentrepreneurs and low-income individuals, ultimately promoting economic and social development in the regions where it operates