O microcrédito como instrumento para a inclusão financeira e social: o caso do Banco Paju do bairro Pajuçara

Abstract

The paper aims to analyze the activity of microcredit as an alternative to financial inclusion and local economic development in microenterprises financed by Community Bank and its Paju problem inform such microfinance institution develops its activities supportive of financial inclusion and social community. It is through microcredit that the vast majority of small entrepreneurs and microentrepreneurs have access to financial markets. The scope of the research methodology is qualitative and quantitative nature and focuses on the case study, with the data source to questionnaires and semi-structured with open questions and literaturebased theses and articles that address the issue as data. Analysis of the results shows that offering microcredit and other financial services contribute to the generation of employment and income, since all respondents said they had extended their enterprises with the use of microcredit Community Bank of Paju. It was also, according to reports of respondents, the majority had no difficulty in accessing credit. However, despite its importance, respondents revealed that the bank needs to expand its coverage area, which is far below its potential.