O microcrédito como ferramenta de redução do nível de pobreza no município de santana do Ipanema - AL: uma análise sobre os clientes do crediamigo

Abstract

This work aims to analyze the effects of Crediamigo, microcredit program Banco do Nordeste (BNB) on the customer living conditions of this program in the municipality of Santana do Ipanema. You see the relevance of micro-credit, to the extent that governments and agencies from different countries have highlighted in recent years which way to guarantee low population reda access to financial services, especially credit. Also use secondary data provided by research carried out in this municipality on beneficiaries Crediamigo. The main results show positive effects of microfinance on living conditions of customers Crediamigo program in Santana do Ipanema, observed in increased household income and profit of the business, particularly when customers stay longer in the program. However, it found that there is a greater chance of improvement of life, especially when customers have higher levels of education and better physical structure of the business.