POLÍTICAS DE FINANCIAMENTO AOS MICROEMPREENDEDORES: UMA FERRAMENTA NO COMBATE À DESIGUALDADE SOCIAL

Abstract

This work was guided by the study of the policies of small scale financing, which, if well implemented, can represent an alternative to fighting poverty and social inequality, because through them we can bring economic development to the poor. In this work, we approach the goal, the key question, the guiding questions, the investigative method and the nature and structure of the research. Additionally, the social reality of the development of the Capitalist Way of Production (CWP) is exposed and presents the Micro entrepreneurship as one possible alternative for facing this reality. The development consists of three chapters, in which the first indicates the system of credit to small entrepreneurs as a viable tool to combat poverty and social inequality. The second chapter addresses the micro and small enterprises and social issues, emphasizing the potential for generating employment and income of these companies as well as their difficulties. In the third chapter, "The Credit for the Micro entrepreneur and Social Inequality , discusses the policies of credit for micro entrepreneurs deployed in the country, addressing, among other things, the legislation that regulates credit programs to small entrepreneur, the main obstacles to their development and deployment, key initiatives and also the support needed for the proper performance of programs in the country. A reference to solidarity finance and small scale credit is made, spanning their definitions, brief history of micro entrepreneurship and articulating them to the legacy of Professor Yunus with the creation and operation of the Grameen Bank. The characteristics of the adopted policies, from the Grameen Bank, which resulted in success and an example for the world economy are also discussed. The credit to small entrepreneur is seen from the perspective of credit unions and community banks, which deal with poor people's access to credit as a mean of reducing social inequality, thus making the link between the system of credit to small entrepreneurs and poverty alleviation and social and economic inequality in the country. In this chapter, poverty and social inequality are focused from the postulate of Amartya Sen, because according to the author, the use of freedom as an agent for change is about incentives for credit access. At last, the results which this very research proposed are exposed