Microcrédito na cidade de Salvador: um estudo de caso em Cajazeiras

Abstract

Microcredit is a credit to urban informal and formal microentrepreneurs through a specific methodology enables the granting of small amounts credit operations, aiming the strengthening of these productive activities and growth of the same, as a strategy to generate income and include socioeconomically individuals and their families. After research that concluded that the institutions in Bahia would be concentrated relatively in the Salvador city, sought to analyze, via the research problem, if the institutions in the capital of Bahia and the housing complex Cajazeiras as research locus, prioritized or not more poorest of the poor. Through case study methodology, we came to the conclusion that microfinance institutions operating in Cajazeiras collaborate on poverty alleviation in micro soteropolitana region (Castelo Branco, Pau Miúdo, Fazenda Grande, Águas Claras), but still, despite the proximity, find some difficulty to get those resources informal entrepreneurs of simple reproduction that work daily with few or little resources and take these small profit to try to survive each day. Entrepreneur profile that the microcredit impact, it is believed, greater representation in combating local socioeconomic inequality, state and regional.