Programa Crescer de microcrédito produtivo orientado : uma avaliação da política pública de inclusão produtiva

Abstract

This dissertation analyzes the Growth Oriented Productive Microcredit Program, a public policy of productive inclusion, creation of jobs and income of Brazil Without Poverty Program of the Federal Government. It was implemented by the Government to subsidize four objectives to be achieved for the target audience of care: give opportunity to new businesses, stimulate entrepreneurship, stimulate banking and mainly provide the exit door to the Brazil Without Poverty programs, prioritized through microentrepreneurs individual, carefully highlighted to the participants of the Single Zero Hunger Register. This microcredit policy is subsidized by the National Treasury, with specific characteristics and criteria for their award established by the Central Bank, presented by the Federal Government as the decisive step towards the democratization of credit to microentrepreneurs. To do such an analysis conducted literature review and exploratory type of research in the Microcredit, treating poverty as a space where the target audience of this policy is set, discussing the role of the State and Social Policies, understanding the micro-credit and its new proposal through production-oriented credit. The objective is to evaluate this public policy, checking the actual effectiveness of the Productive Inclusion of micro business through the guidance offered by loan officers, which resulted in the process of the fragility of verification established by the granting of credit methodology that these agents do not materialize the goal Growing the Productive Microcredit Program Guided by not mandatory professional training of the same by the National Law Program of Oriented Productive Microcredit.