Microcrédito na perspectiva da economia solidária no município de Picuí - Paraíba.

Abstract

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.