AS EXPERIÊNCIAS DOS PROGRAMAS DE MICROCRÉDITO PRODUTIVO ORIENTADO: O CASO DAS CONCESSÕES NA REGIÃO METROPOLITANA DE GOIÂNIA NO PERÍODO 2011 - 2014

Abstract

This paper aims to identify the results of productive microcredit operations targeted in Brazil in the period 2011 - 2014, addressing the ease of access of the entrepreneur to the line of credit as well as the contributions of this type of loan in expanding small businesses. From a methodological point of view, the initial approach employs a literature search on several authors who study the subject, the theoretical context, credit characteristics, purpose, target audience, legal system and sources of funds. It demonstrates how has been the dynamic application of resources by financial institutions, with secondary sources of regulators and financial institutions, with the volumes invested in the sport. Effects and presents the results of a field survey, conducted in the metropolitan area of Goiânia, with entrepreneurs who hired microfinance in the reference period, sought to check how were the credit experiences and their contributions, in the perception of respondents. At the same time, it presents other results of existing field research, recent and in the same light. Based on the scope, it is intended to provide the reader with a new framework on microcredit, see how has been its dynamic application resources Licensors, and demonstrate that the product has contributed to the expansion of sales and the small business structure met.