Crédito sustentável em Alagoas: o caso do microcrédito rural em Pão de Açúcar, Alagoas

Abstract

The present work deals with a research carried out in the municipality of Pão de Açúcar - AL, which focuses on sustainable credit: the case of microcredit as an easily accessible loan for the rural population. Initially, it will be discussed how cooperativism emerged and then the credit cooperative with its operation and differences between conventional banks, an analysis will be made of why rural microcredit used by credit cooperatives becomes more viable for residents of rural areas. Faced with the issues pointed out above, we will observe which practices make solidarity credit grow to the point that not only the rural population, but also surrounding merchants are interested in financing, in addition to bringing some examples of solidarity credit. It can be noted that credit cooperatives use the same services as conventional banks, in addition to being under the supervision of BACEN. However, one of the alternatives that has made the population replace conventional banks with cooperatives is personalized service, showing the importance of human presence in the relationship with its members, always providing guidance on financial education in the release of loans or any other service that the same make available.