As contribuições do microcrédito produtivo e orientado no desenvolvimento das habilidades do empreendedor nos municípios de Alexandria-RN e Sousa-PB.

Abstract

The microcredit is one of the many tools that come being used for the reduction of the social inequalities and in the help the economic and social development of the low income populations. Known as the modality of loans of low value the small informal entrepreneurs and micro companies without access to the traditional financial system, the microcredit uses a specific methodology, which consists of the attended concession of the credit, without bureaucracy. Ahead of this, the following questioning appears: Those contributions the productive and guided microcredit brought for the development of the enterprising abilities? The inquiry was carried out in the local authority of Sousa-PB and of Alexandria-RN, in entrepreneurs whom they made the Santander Microcredit, in the period of August the October of 2010. One can affirmed through the analysis that the Agents of vain Credit up to the place, where the worker practices the productive those it was possible to verify indications the profile of the venture and entrepreneurial skills acquired through microcredit productive and targeted. Getting-as the result that, 2 1% acquired information on the business that wanted open, 18% found in Microcredit seeking opportunities and financial independence, which generated confidence in their business. Thus, ahead of the displayed one, it is perceived that the informal sector can generate managemental abilities through the sources of Santander Microcredit, being able itself to affirm that the impact of the microcredit in the generation of informal income is significant.