O microcrédito e a geração de emprego e renda: a experiência do Banco Pérola
This paper presents results of a research on the influence of microcredit in employment generation and income held with the Perola Bank's customers in the city of Sorocaba - SP. This is a Civil Society Organization of Public Interest, which offers microcredit to entrepreneurs in the region. Thi...
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| Tipo de recurso: | tesis de maestría |
| Estado: | Versión publicada |
| Fecha de publicación: | 2013 |
| País: | Brasil |
| Institución: | Pontifícia Universidade Católica de São Paulo (PUC-SP) |
| Repositorio: | Repositório Institucional da PUC_SP |
| Idioma: | portugués |
| OAI Identifier: | oai:repositorio.pucsp.br:handle/1065 |
| Acceso en línea: | https://tede2.pucsp.br/handle/handle/1065 |
| Access Level: | acceso abierto |
| Palabra clave: | Microcrédito Emprego Renda Banco Pérola Empreendedor Microcredit Employment Income Perola Bank Entrepreneurs CNPQ::CIENCIAS SOCIAIS APLICADAS::ADMINISTRACAO |
| Sumario: | This paper presents results of a research on the influence of microcredit in employment generation and income held with the Perola Bank's customers in the city of Sorocaba - SP. This is a Civil Society Organization of Public Interest, which offers microcredit to entrepreneurs in the region. This research was conducted with a sample of 30 bank customers, with the use of a form, containing open and closed questions. The survey results revealed that microcredit influences the employment and income generation. And with that income, entrepreneurs can regulate the business and invest in goods and services to improve their quality of life. These lowincome entrepreneurs and excluded from the traditional financial system give more value to credit access than interest rates in this operation, which are 4% per month. However, these interest rates do not prevent them from investing on their own. The credit is used to investment in working capital and fixed investment. Furthermore, for each business opened, 2.1 new jobs have been generated |
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