Interpretação das prácticas de desenvolvimento: caso dos beneficiários da caixa comunitária de micro finanças do bairro do zimpeto

Abstract

This report is the result of field research carried out at the Municipal Market of Bairro do Zimpeto which aims to analyze the meaning that beneficiaries attribute to CCOM in Bairro do Zimpeto. The research starts from the fact that we observe a proliferation of microfinance institutions that grant credit to low-income populations that a large part of them are in the informal sector and that do not have access to credit in commercial banking. These institutions appear as part of the solution, the current situation characterized by a high unemployment rate, hence the need to demonstrate how the beneficiaries of these institutions, which in this case is the CCOM of Bairro Zimpeto, incorporate the logics implemented by the institution and how these logics influence the way they see and interpret the CCOM of Bairro do Zimpeto as a development model. For the materialization of our objective we start from the theoretical assumption of Casal (1996) that sees development as a social reality that results from the interaction between developers and developed with different logics. The CCOM of Bairro do Zimpeto for the granting of credit uses the group model and gives priority to values ​​such as solidarity and a spirit of mutual assistance among the members of the groups. Groups are generally formed and made up of members who are part of the same social network and when choosing the integrating elements they tend to validate social aspects such as the degree of trust, honesty and integrity of the member concerned. We understand that the beneficiaries form the groups to satisfy individual interests, which clashes with the principles defended by the CCOM of Bairro do Zimpeto, which are solidarity and the spirit of mutual help between the members of the group. (TRADUÇÃO NOSSA)