A importância do microcrédito produtivo orientado para microempreendedores do bairro Cidade Operária em São Luís - MA

Abstract

This text has the purpose to show data that justify the importance of the profitable microcredit especially designed to the people who look for credit in the area of Cidade Operaria in São Luís, Maranhão. It also has an overview on the present credit in the local market, the economic circumstances that involve it and the opportunities of micro finances dedicated to the public with low wages, and its means of usage as a form to achieve the financial inclusion of these enterprisers. To finish this work, bibliographical researches were taken into account and they were effectively used during the theorical foundation all along the researches. One local inquiry, where the enterprisers were directly and personally interviewed, established a study on the case and then provided the information needed. This study was used to explain and registrate the facts, analysing, interpreting, and identifying its causes. After the quality and the quantity analysis it was seen that the line of credit has great potential in the social and economic growth to that community, and further, especially to the young people and to the women, this type of credit helps direcly in the confirmation of such growth in the income per person in the families that live in that specific area. Starting from this conclusion, suggestions to increase the enterprises, were developed in accordance to the Oriented Productive Microcredit (MPO).