Características da oferta de microcrédito a partir de estudos de casos de Minas Gerais: evolução em direção à atuação segundo a lógica do sistema bancário

• Ano de defesa: 2005
• Autor(a) principal: Ribeiro, Rodrigo Gurgel Cherubino
• Tipo de documento: Dissertação
• Tipo de acesso: Acesso aberto
• Idioma: por
• Instituição de defesa: Universidade Federal de Uberlândia; BR; Programa de Pós-graduação em Economia; Ciências Sociais Aplicadas; UFU
• Palavras-chave em Português: Sistema financeiro; Microcrédito; Bancos - Minas Gerais; Crédito - Minas Gerais; Microfinanças; CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA
• Link de acesso: https://repositorio.ufu.br/handle/123456789/13538

There is a divergence between the objective of the banking institutions to ration credit because its rational behavior to face difficulties of get informations about the market , and the intention of the economic policy makers to offer credit to all the agents of the economy as an instrument to leverage the development. Looking up it, the expansion of the credit can be observed through from an alternative financial service in despite of the other offered by the traditional banking sector: the microcredit. However, the concession methodology of the microcredit in Brazil has seemed the methodology used for the traditional banking sector, limiting, of this form, the offered of financial services to the agents of lower income and to the informal enterprises sector of the economy. Information from seven institutions of microfinances of the state of Minas Gerais indicated the collection of relatively high interest rates, the existence of bureaucratic requests that raise costs of customers transactions, the useless of solidary endorsement as substitute guarantee, as well as the strong influence of the interest rate of the economy on the composition of the patrimonial structure of the microfinances institutions.