MICROCRÉDITO: Resultados da aplicação do CrediAmigo em Imperatriz – MA entre 2015 e 2016

Abstract

This thesis investigates the results of the application of the Micro Produced Oriented Microcredit (MPO) by the CREDIAMIGO program of Banco do Nordeste (BNB) in Imperatriz - MA between 2015 and 2016. The results of these operations are measured in terms of the facilities or difficulties encountered by the entrepreneurs access to the credit line and the contribution of these operations to the expansion of small businesses. Based on a review of the literature on the subject of microcredit, the field research focuses on the survey of the results of these operations with the entrepreneurs who hired them during the study period. The results obtained with the borrowers of CREDIAMIGO indicate a clear expansion and improvement of the businesses by the increase of the billing, being that the majority of the sample credits this significant expansion to the increment brought by the concession of the microcredit. It was also possible to conclude that microcredit is an important and effective tool for socioeconomic inclusion, but that it still requires improvements for greater expansion and effectiveness of its use.