Uma análise dos efeitos da regulação do setor de microfinanças brasileiro: o caso das Sociedades de Crédito ao Microempreendedor

• Ano de defesa: 2004
• Autor(a) principal: Lima, Vanina de Souza
• Orientador(a): Sobreira, Rogério
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Palavras-chave em Português: Políticas & Estratégias
• Link de acesso: http://hdl.handle.net/10438/3335

The purpose of this work is to analyze the process of regulation of the sector of microfinance in Brazil, based on the regulation of the Societies of Credit to Microentrepreneurs - SCMs, the only specialized institucional form in microfinance in the National Financial System, and that, in sight of this, has its performance regulated and supervised by the Brazilian Central Bank. The regulation of the SCMs has been one of the strategies adopted by the Federal Government in our country to stimulate the generation of job and income for the population that usually is excluded from the traditional financial system, for the microentrepreneurs, who have difficulties in getting financing for its productive activities at the traditional financial institutions. However, despite the governmental measures that have been taken in the direction to try to stimulate the sector of microfinance in our country, it is considered that the current model of regulation based on the regulation of the SCMs presents obstacles that must be surpassed in order to reach the objective to facilitate the access of the formal credit to the microentrepreneurs.