Ações de microcrédito e o perfil do agente de crédito do programa Crediamigo em Aracaju/SE

Abstract

Informality is a growing phenomenon in Brazil and the difficulty of accessing credit for the poorest has been identified as one of the main reasons that sustain the maintenance of poverty and social inequality. The Crediamigo microcredit program, the largest oriented productive microcredit program in South America, facilitates access to credit for thousands of entrepreneurs belonging to the informal and formal sectors of the economy. In this sense, this study seeks to analyze microcredit from the perspective of employees of the Crediamigo of the Jardins neighborhood unit in the city of Aracaju/SE. The research is based on a theoretical design that brings the concept and definition of microcredit, the history and evolution of microcredit in the world, in Latin America and in Brazil, the main economic impacts of microcredit, the forms of microcredit used in Brazil, the microcredit experiences in Latin America and Brazil and the characterization of the Crediamigo microcredit program. This is descriptive research in which questionnaires were applied to individual microcredit workers belonging to the unit under study in order to draw the profile, understand the perception of the importance of microcredit in the national scenario and verify its importance for the growth of the businesses covered. with the microcredit lines. In addition, it included a comparison with previously published articles, located in systematized searches. The conclusions reached are in line with the literature and bring positive results, such as the perception of Crediamigo employees that credit lines favor the growth of microentrepreneurs, which place the Crediamigo microcredit program as an effective regional instrument for credit distribution, providing development and growth to the businesses covered.