Micro-finanças e desenvolvimento rural: o caso da cooperativa de crédito dos micro-empresários de angónia

Abstract

The present work was elaborated within the scope of the conclusion of the Degree in Economics and aims to study the relationship between micro-finance and rural development. Due to the need to limit the field of study, the research was carried out in the Province of Tete, more specifically in the Districts of Angónia and Tsangano, with the case study of the Credit Cooperative of Micro Entrepreneurs of Angónia, and how it has developed its activity in a sustainable way. This work aims to analyze the strategies used by the Credit Cooperative of Micro Entrepreneurs of Angónia in order to guarantee their subsistence and at the same time promote rural development. For the development of this work, an exploratory, descriptive and case study methodology was followed. The data collection instruments were individual semi-structured interviews with different economic agents, a questionnaire carried out with borrowers of the Cooperative and observational analysis. Thus, it was possible to identify the characteristics, the modus operandi of the Cooperative, as a micro-finance institution and what has been its impact on the life of the community where it operates. As a result, the study identified the different variables that contribute to the sustainability of the Cooperative and how it has been positively influencing its borrowers in the fight against poverty and, consequently, contributing to rural development. The Cooperative is recommendable to expand its economic activities, such as attracting savings and introducing new financial services.(TRADUÇÃO NOSSA)