O sistema de microcrédito como estratégia de redução da pobreza : uma avaliação no âmbito dos municípios nordestinos

Abstract

In the last decades Brazil has been facing a wave of unemployment that has impacted in a variety of social indicators, principally in the rates of poverty. The actual unemployment has a direct reflex in the poverty indicators, affecting mainly the suburban areas, remote from the great urbane centres. Therefore several alternatives has been suggested by specialists and adopted by governments, aiming to reduce poverty and the unemployment. In last two decades, an alternative has been emphasized is to make possible financial credit to the poor people that has few chances of obtaining credit in the traditional financial system, giving them the opportunity for developing or opening a business in the intention of producing an occupation and income to take them out of the poverty line. So the aim of this study is to evaluete the impact of the microcredit at the reduction of poverty in Brazil´s Northeastern cities.To reach such an objective, econometric resources were used with the intention to conclude this study. The results reached indicate that the concession of credit has not significant influence in the reduction of the poverty, and that the concentration of income and principally education has been demonstrated to be more important to the combat of poverty.