Políticas públicas de acesso ao crédito como ferramenta de combate à pobreza e inclusão social: o microcrédito no Brasil

Abstract

The poverty battle and social inclusion are appellant themes, when analyzing public politics implemented in Latin America over the two last decades. In Brazil, since Plano Real , in 1994, the economy was established thru elimination of inactivity inflation due to prices and wages. The end of inflation taxes was a relief to the social and business Brazilian base pyramid, but it did not stop the poverty population process, as a consequence of the direct productive readjust and distributive challenged by the globalization and it impacts on the job market (unemployment/underemployment) and the productive sector (increase the informal work and high level of breaking small and micro formal business). Since 1995 the federal government assumes the power of formulate and inductor several public politics facing minimize this situation. Some of than is, the credit access, not as an isolated politics but as a development local context unite into one whole and maintained that assume a very important roll. Since 2003, the concept of credit access changed, including, as well, credit for consume and bank access of the lowest social level of the population. The object of this these is to evidence the microcredit in Brazil as a public politics of credit access, poverty elimination and social inclusion implemented over the last 15 years in brazil, having the federal government as a inductor and actor with more relevancy.