PINHEIRO, A. A.; http://lattes.cnpq.br/0759522444257752; PINHEIRO, Aracélia Azevedo.
Resumo:
Despite the expansion of entrepreneurship in Brazil, bank credit !ines privilege the
upper classes, in addition to operating with high interest rates. In this way, low-
income classes are on the margins of the traditional banking sector. Through this
new bias, thinking of alternative and more sustainable economic models, a program
emerges that aims at the growth and social and economic development of Brazil.
The CrediAMTGO Program, a productive and oriented microcredit program
operated by Banco do Nordeste, which aims to subsidize access to microcredit for
informal entrepreneurs and family members. The present work seeks to analyze
microcredit, having as parameter, the Solidarity Economy. For the development of
the research, questionnaires were carried out with solidarity groups, who access the
microcredit of Banco do Nordeste, in Picuí, Paraíba, ascertaining whether this
microcredit can be considered a model of Solidarity Economy support. We note that
the CrediAMIGO program represents an opportunity for the low-educated
population, in view of the easiness and broadening of access to credit in a
bureaucratized way, reflects social inclusion and generation of income and work. In
this way microcredit and Solidary Economy play a very important role in
development, gaining priority space to meet the needs and shortages of jobs, and
can generate a development that increases the quality of life of the local population
of Picuí, allowing access to services and Opportunities, hitherto unknown, even if
necessary, to meet basic needs.