Bancos Comunitários de Desenvolvimento na Política Pública de Finanças Solidárias. Apresentando a Realidade do Nordeste e Discutindo Proposições
COMMUNITY DEVELOPMENT BANKS IN THE PUBLIC POLICYOF SOLIDARITY FINANCE: PRESENTING THE REALITY IN THENORTHEASTERN BRAZIL AND DISCUSSING PROPOSITIONSAbstractThis paper presents and discusses the reality of all Community Development Banks (BCDs) fromnortheastern Brazil in the public policy of solidarit...
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| Autores principales: | , , |
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| Formato: | article |
| Lenguaje: | PT |
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Universidade Regional do Noroeste do Estado do Rio Grande do Sul
2015
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| Materias: | |
| Acceso en línea: | https://doaj.org/article/08584466276c4e87bb99aa6f1c717755 |
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| Sumario: | COMMUNITY DEVELOPMENT BANKS IN THE PUBLIC POLICYOF SOLIDARITY FINANCE: PRESENTING THE REALITY IN THENORTHEASTERN BRAZIL AND DISCUSSING PROPOSITIONSAbstractThis paper presents and discusses the reality of all Community Development Banks (BCDs) fromnortheastern Brazil in the public policy of solidarity finance that emerges. Furthermore, the paperdemonstrate how these microfinance initiatives are able to reach the poorest people The methodologyconsisted of a survey in 26 BCDs in this region (between July-September 2012). These results supportthe BCDs as appropriate social technologies to a public policy of solidarity finance that aims to reachthe poorest people. Their collective management structures and the methodology for granting andcollection of loans (based on proximity relations) seem more appropriate for overcoming the formaland institutional barriers rather than traditional banks for lending money to low-income population.However, the reality presented for the BCDs indicate difficulties that can compromise the fullness ofthe actions of these organizations in the territories. The main difficulty is the formation of the creditfund that forces them to significantly rationing credit concessions. Other challenges identified were theformation of counterweight to boost the circulation of social currency in the territory and the exchanges. |
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