A propositive contribution to the mitigation of the credit problem on Brazilian solidarity economy enterprises
DOI:
https://doi.org/10.31686/ijier.vol9.iss3.2990Keywords:
Solidary Economy, Entrepreneurship of Solidary Economy, CreditAbstract
The biggest impediment to the viability of Solidarity Economy Enterprises (SEE) is the credit issue, which due to lack of guarantees means that they cannot access credit through traditional banking channels and end up failing. In view of this unfavorable scenario, the objective of this work is to make a propositive contribution, evidencing elements that are useful to enterprises of solidarity economy in relation to obtaining credit. To do so, it relied on bibliographic research to link these factors, highlighting those that can be controlled by the SEE, as well as those external so that the credit assignment occurs, which resulted in the elaboration of a propositive instrument, with elements that facilitate the assignment of credits both in the user's view and in the institutional view. Its usefulness could be verified with a field research, conducted with 25 solidarity economy enterprises, which answered a questionnaire informing whether the existence of such an instrument would help in reducing the difficulties of obtaining credit, as well as being able to contribute with eventual adjustments.
References
Y, AQUINO. “Especialistas defendem a ações de economia solidária como alternativa para crise”. Agência Brasil, 2017. Disponível em: < http://agenciabrasil.ebc.com.br/economia/noticia/2017-04/especialistas-defendem-acoes-de-economia-solidaria-como-alternativa-para >. Access in: 03 sep. 2017.
BANCO CENTRAL. Introdução ao microcrédito. 2002. Available in: < https://www.bcb.gov.br/htms/public/microcredito/microcredito.pdf >. Access in: 26 aug. 2017.
__________________. O que é cooperativa de crédito? Available in: < https://www.bcb.gov.br/pre/composicao/coopcred.asp > Access in: 07 mar. 2017.
COOPERATIVISMO DE CRÉDITO. Depósitos: Participação de mercado das instituições financeiras cooperativas ultrapassa 6%. 2016. Available in: < http://cooperativismodecredito.coop.br/2016/09/depositos-participacao-de-mercado-das-instituicoes-financeiras-cooperativas-ultrapassa-6/ >. Access in: 26 aug. 2017.
G.C. FRANÇA FILHO. A problemática da economia solidária: um novo modo de gestão pública? Cad. EMBRAPE, 2004, v.2. n1. Disponível em: < http://www.scielo.br/scielo.php?script=sci_arttext&pid=S1679-39512004000100004 > Access in: 09 sep. 2017. DOI: https://doi.org/10.1590/S1679-39512004000100004
___________________, J.T, SILVA JÚNIOR, A.S. RIGO, A. S. “Solidarity finance through community development banks as a strategy for reshaping local economies: lessons from Banco Palmas”. Rev. Admin. 2012, vol.47, no.3. Available in: < http://www.scielo.br/scielo.php?script=sci_arttext&pid=S0080-21072012000300013 >. Access in: 26 feb. 2017. DOI: https://doi.org/10.5700/rausp1054
L. GAIGER, J.L. LAVILLE. Economia Solidária. In A, Cattani et al. (orgs) Dicionário internacional de outra economia. 2009, Pp. 162 – 168. Coimbra, Almedina.
A.F. GONÇALVES. A história dos fundos solidários no estado da Paraíba: a construção político-institucional de uma política pública. Available in: < https://periodicos.ufpe.br/revistas/index.php/gestaopublica/article/viewFile/1118/861 > Access in: 03 mar. 2017.
P.S. KUYVEN, S.A. KAPPES. Relação entre o grau de solidarismo e o índice de sobrevivência de empreendimentos econômicos solidários na região sul do Brasil. Rulescoop, 2013. Available in: < sies.ecosol.org.br/images/rulescoop-kuyven.kappes.pdf >. Access in: 04 mar. 2017.
A.M, LISBOA. Economia solidária e autogestão: imprecisões e limites. Pensata [online], 2005, v.45, n.3 p.109-115. Disponível em: < www.scielo.br/pdf/rae/v45n3/v45n3a06.pdf >. Access in:24 feb. 2017. DOI: https://doi.org/10.1590/S0034-75902005000300006
E.C. MORAES, A.M. NOGUEIRA and R.M.L. VIEIRA. Banco Grammen e bancos comunitários de desenvolvimento: uma análise comparativa. Risus – Journal on Sustainability [online]. 2015, v.6, n.3, p. 127 – 139. Available in: < https://revistas.pucsp.br/index.php/risus/article/viewFile/20381/19164 >. Access in: 13 oct. 2017. DOI: https://doi.org/10.24212/2179-3565.2015v6i3p127-139
N.C. MOSTAGI et al. Banco Palmas: inclusão e desenvolvimento local. Interações [Campo Grande]. 2019, v.20, n.1, p. 111 – 124. Disponível em: < https://www.scielo.br/pdf/inter/v20n1/1518-7012-inter-20-01-0111.pdf >. Access in: 21 may 2020.
OCB. História do cooperativismo brasileiro. Organização Cooperativa Brasileira. 2017. Available in: < http://www.ocb.org.br/historia-do-cooperativismo >. Access in: 01 oct. 2017.
E, OSTRÖM. Governing the commons / the evolution of institutions for collective actions. Cambridge: Cambridge University Press, 1990. DOI: https://doi.org/10.1017/CBO9780511807763
REDE BRASIL ATUAL. Empreendimentos de economia solidária representam 8% do PIB brasileiro. 2017. Available in: < http://www.redebrasilatual.com.br/economia/2014/07/empreendimentos-da-economia-solidaria-geram-8-do-pib-brasileiro-6443.html >. Access in: 03 sep. 2017.
A.S. RIGO, G.C. FRANÇA FILHO and L.P LEAL. Os bancos comunitários de desenvolvimento do Nordeste na Política Pública de Finanças Solidárias: apresentando a realidade e discutindo proposições. Anpad [online]. 2013, v.1. Available in: < www.anpad.org.br/admin/pdf/2013_EnANPAD_APB452.pdf >. Access in: 01 mar. 2017.
SENAES. Atlas Digital da Economia Solidária. Available in: < http://sies.ecosol.org.br/atlas >. Access in: 04 apr. 2017.
G. SEYFANG. Growing sustainable consumption communities: The case of local organic food networks. International Journal of Sociology and social policy [online]. 2007, v. 27. P. 120 – 134. Available in: < https://www.emeraldinsight.com/doi/abs/10.1108/01443330710741066 >. Access in: 07 may 2018. DOI: https://doi.org/10.1108/01443330710741066
S.P SILVA, S. P, L.M. CARNEIRO. Os novos dados do mapeamento de economia solidária no Brasil: apontamentos iniciais para o debate. IPEA [online]. 2014, v.14, p.69-82. Available in: < http://www.ipea.gov.br/agencia/images/stories/PDFs/mercadodetrabalho/bmt57_econ02 >. Access in: 05 mar. 2017.
J.T. SILVA JÚNIOR, S.M.S. GONÇALVES and A.L. CALOU. Os Bancos Comunitários como Instrumento de Desenvolvimento Socioeconômico de Territórios: Investigando as Singularidades destas Experiências de Finanças Solidárias. Anpad [online]. 2007. Available in: < www.anpad.org.br/admin/pdf/APS-C2557.pdf >. Access in: 10 oct. 2017
P.I. SINGER. A economia solidária no Brasil: a autogestão como resposta ao desemprego. São Paulo: Contexto, 2003.
__________. Economia solidária versus economia capitalista. Sociedade e Estado [online]. 2001, v.16, n.1-2. Available in: < www.scielo.br/scielo.php?script=sci_arttext&pid=S0102-69922001000100005 >. Access in: 25 feb. 2017. DOI: https://doi.org/10.1590/S0102-69922001000100005
__________. “Finanças solidárias e Moeda Social”. In: L.E. FELTRIM.; E.C.F. VENTURA; A.V.B. DODL. (Coord.). Perspectivas e desafios para a inclusão financeira no Brasil. Brasília: Banco Central do Brasil, 2009.
F.F VALENTIN, N. SERRA, N. O acesso ao crédito pela economia solidária: cenário de restrição num universo de expansão. Aninter. 2012. Available in: http://www.aninter.com.br/ANAIS%20I%20CONITER/GT07%20Economias%20e%20trabalho/O%20ACESSO%20AO%20CR%C9DITO%20PELA%20ECONOMIA%20SOLID%C1RIA%20CEN%C1RIO%20DE%20RESTRI%C7%C3O%20NUM%20UNIVERSO%20EM%20EXPANS%C3O%20-%20trabalho%20completo.pdf >. Access in: 17 oct. 2017.
WOCCU. 2016 statistical report. [01/10/2017]. Available in: < https://www.woccu.org/documents/2016_Statistical_Report > Access in: 01 oct. 2017.
Downloads
Published
Issue
Section
License
Copyright (c) 2021 Davi de Pinho Spilleir, Orandi Mina Falsarella, Celeste Aída Sirotheau Corrêa Jannuzzi
This work is licensed under a Creative Commons Attribution-NoDerivatives 4.0 International License.
Copyrights for articles published in IJIER journals are retained by the authors, with first publication rights granted to the journal. The journal/publisher is not responsible for subsequent uses of the work. It is the author's responsibility to bring an infringement action if so desired by the author for more visit Copyright & License.
How to Cite
Accepted 2021-02-28
Published 2021-03-01
Most read articles by the same author(s)
- José Ademir de Souza, Orandi Mina Falsarella, Celeste Aida Sirotheau Corrêa Jannuzzi, Samuel Carvalho De Benedicto, Corporate Strategic Management , International Journal for Innovation Education and Research: Vol. 7 No. 1 (2019): International Journal for Innovation Education and Research
- Orandi Mina Falsarella, Maria Thereza Miranda de Camargo, Cibele Roberta Sugahara, Celeste Aída Sirotheau Corrêa Jannuzzi, Duarcides Ferreira Mariosa , Big Data and IoT applications , International Journal for Innovation Education and Research: Vol. 8 No. 6 (2020): International Journal for Innovation Education and Research
- Celeste Aida Jannuzzi, Orandi Mina Falsarella, Larissa Moraes de Oliveira, Collective intelligence (crowdsourcing) on the internet , International Journal for Innovation Education and Research: Vol. 7 No. 4 (2019): International Journal for Innovation Education and Research
- Sofia Deodoro dos Santos Camata, Orandi Mina Falsarella, Duarcides Ferreira Mariosa, Rubén Danilo Bourdon G., Diego de Melo Conti, Culture, education and water resources management: a literature review highlighting new research opportunities , International Journal for Innovation Education and Research: Vol. 10 No. 3 (2022): International Journal for Innovation Education and Research
- Siliane Vanessa Sartori, André Castilho Navarro, Duarcides Ferreira Mariosa, Orandi Mina Falsarella, Ana Milena Silva Valencia, Environmental education in the context of sustainable water resource management , International Journal for Innovation Education and Research: Vol. 10 No. 3 (2022): International Journal for Innovation Education and Research