Análise de práticas de microcrédito: estudo comparativo dos casos Credimur no Brasil e Coopsocial na Colômbia
Arquivos
Data
2008-05-08
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Editor
Universidade Federal de Viçosa
Resumo
Esta pesquisa teve por objetivo comparar as práticas de microcrédito no Brasil e na Colômbia, especificamente os casos das cooperativas de crédito CREDIMUR (Brasil) e COOPSOCIAL (Colômbia), tendo como propósito identificar os pontos convergentes e divergentes entre elas, bem como identificar as contribuições que tais práticas proporcionaram aos seus associados, na percepção dos gestores e associados de ambas as cooperativas. O referencial teórico foi embasado nos temas microfinanças, microcrédito, cooperativismo e cooperativismo de crédito. A metodologia empregada foi a abordagem qualitativa e quantitativa, em que os instrumentos utilizados foram entrevista e questionário, aplicados aos gestores e associados das duas cooperativas, o que possibilitou as análises de conteúdo e estatística dos dados. O estudo apontou que o microcrédito oferecido pelas cooperativas apresenta aspectos comuns e divergentes entre elas, os quais estão representados por características particulares de cada país, e que a contribuição proporcionada aos seus associados foram a geração de renda e emprego, a manutenção e criação de novos negócios e a melhoria da qualidade de vida dos associados.
The research had as objective to compare the practices of micro credit in Brazil and in Colombia, specifically the cases of the credits cooperative CREDIMUR (Brazil) and COOPSOCIAL (Colombia), and had the objective to identify the convergent and divergent points between both cooperatives, to identify the contributions that these practices had for the joined of this micro credits associations in the perception of this manager and for the joined. The theoretical referential is based in the subjects micro finances, micro credit, credit cooperative. Were used as methodology the qualitative and quantitative approach were the instruments used were interview and questionnaire that were applied to managers and joined of the both cooperatives. Though it was possible the analyze of the content and the statistic of the data. The study pointed that the micro credit offered for the cooperatives show common aspects between they that are showed for particular characteristics of each country. The contribution for the joined of this cooperatives make emphasis in the income and job, in the maintenance and generation of news business in the improvement of the joined life quality.
The research had as objective to compare the practices of micro credit in Brazil and in Colombia, specifically the cases of the credits cooperative CREDIMUR (Brazil) and COOPSOCIAL (Colombia), and had the objective to identify the convergent and divergent points between both cooperatives, to identify the contributions that these practices had for the joined of this micro credits associations in the perception of this manager and for the joined. The theoretical referential is based in the subjects micro finances, micro credit, credit cooperative. Were used as methodology the qualitative and quantitative approach were the instruments used were interview and questionnaire that were applied to managers and joined of the both cooperatives. Though it was possible the analyze of the content and the statistic of the data. The study pointed that the micro credit offered for the cooperatives show common aspects between they that are showed for particular characteristics of each country. The contribution for the joined of this cooperatives make emphasis in the income and job, in the maintenance and generation of news business in the improvement of the joined life quality.
Descrição
Palavras-chave
Cooperativas, Microcrédito, Brasil, Colômbia, Cooperatives, Micro credits, Brazil, Colombia
Citação
TORRES, Tânia Margarita Mackenzie. Analysis the practices of micro credits: Study comparative of the cases Credimur in Brazil and Coopsocial in Colombia. 2008. 110 f. Dissertação (Mestrado em Administração Pública) - Universidade Federal de Viçosa, Viçosa, 2008.