Microcrédito emancipatório no nordeste do Brasil? : estudo de caso do Crediamigo Comunidade nos municípios de Caucaia-Ce e Maranguape-Ce

This piece of work consists in a study case of Crediamigo Comunidade, a product from the portfolio of Crediamigo Program of Banco do Nordeste, that uses the methodology of the Comunitary Banks in the concession of low amount loan to poor communities. The main question consists to understand how the Crediamigo Comunidade is characterized faced to the conflict of emancipatory versus liberal paradigms, that exists in the microcredit area. The main objective will analyze how the mechanisms: social capital, empowerment, formation to credit education and better conditions for economic and social issues promoted in the specific objectives of this product, before the dipute between these paradigms. The method adopted analyzed, in a longitudinal perspective, the three years of the product s existence (jun/2005 to jul 2008). Primary and secondary data made possible to identify qualitatively, emancipatory and non emancipatory attributes in the actions and results of Crediamigo Comunidade. It is concluded that the Crediamigo Comunidade works in a liberal logic of the Crediamigo Program, consequently, his focus is not in the emancipation of the poorest clients. The empowerment is individual and not communitary or Freiriano ; the social capital relations enlarges itself in its bounding and bridging ties, but not in its linkage ties, to have access to politic actors and consequently communitary strengthen. All the formation in the Crediamigo is strictly commercial. These characteristics happen by the liberal paradigm in the Crediamigo management and of all of its products, including the Crediamigo Comunidade

A importância do microcrédito para os empreendedores: um estudo com os grupos solidários de Fortaleza /CE

This study aims to understand the changes in the improvement of economic and social conditions of small entrepreneurs who participate in solidarity groups linked to the Non-Governmental Organization (NGO) "X" in Fortaleza city, Ceará, through the use of productive-guided microcredit. It is come a research in exploratory and descriptive nature, with a quantitative and qualitative approach. Data were collected from the small entrepreneurs by applying a questionnaire, as well as through structured interviews with group leaders. They were worked on issues relating to income generation, employment generation, housing and health conditions, dietary pattern and leisure activities of small entrepreneurs and their families before and after the union to solidarity groups and use of productive-guided microcredit. The research showed that the use of microcredit has interfered with social and economic life of these small entrepreneurs, generating positive effects

Estilo de vida e vulnerabilidade social dos adolescentes no Bairro de Felipe Camarão, Natal/RN, 2005

Este estudo descreve o estilo de vida e vulnerabilidade dos adolescentes do bairro Felipe Camarão em Natal-RN, a fim de compreender seus comportamentos, conforme vulnerabilidades identificadas. Foram aplicados 145 questionários semi-estruturados entre os adolescentes de 12 a 18 anos, no período de janeiro, a abril de 2005. O estilo de vida descrito, conforme os dados colhidos, informa que 92,4% sabem da importância de se alimentar bem, 86,9% têm sono preservado; 76,5% têm boa relação com seus pais. Porém, 86,9% afirmaram não haver área de lazer/diversão no bairro, enquanto os 31,0% não responderam sobre higiene corporal; 41,4% consomem drogas lícitas (maioria álcool), enquanto 37,9%, as ilícitas (maioria cola); 51,7% dizem que não conversam sobre sexo, enquanto 30,3% conversam com suas mães; 38,0% estão sexualmente ativos, iniciados entre 13 a 16 anos. Os comportamentos de alguns adolescentes estudados indicam um estilo de vida saudável, enquanto outros demonstram justamente o contrário, através de práticas como: pouca participação no lazer, por falta de opção; consumo de drogas lícitas e ilícitas; a falta de diálogo com os pais sobre sexo; relacionamento sexual precoce, somados às condições econômicas e sociais desfavorecidas que os expõem à adoção de um estilo de vida que implica em vulnerabilidade