Exclusão financeira no Brasil: uma análise regional exploratória

Crocco, Marco; Santos, Fabiana; Figueiredo, Ana Tereza Lanna

doi:10.1590/s0101-31572013000300008

Cited by 13 publications

(10 citation statements)

References 6 publications

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“…(2) Um exemplo de condição limitada é a segmentação de clientes feita pelas instituições financeiras que, grosso modo, assume a seguinte forma: os ricos (superincluídos) têm acesso aos melhores profissionais e aos melhores produtos e serviços, enquanto os pobres ("marginalmente incluídos") são atendidos apenas de forma impessoal ou por vendedores de produtos caros e qualidade duvidosa. Esses últimos são clientes de "curto prazo", quando não há a preocupação da instituição financeira por um prazo mais longo (Dymski, 2007;Crocco;Santos;Figueiredo, 2013). principalmente quando feita de modo isolado.…”

Section: A Análise Crítica Institucionalista Da Educação Financeira Cunclassified

“…Por outro lado, pode também ocorrer com famílias de boa-fé que sofreram um ou mais choques de renda (desemprego e queda na renda), riqueza (acidentes ou desastres) e/ou despesa (mortes, divórcio, doenças graves de familiares, dentre outros), que comprometam sua capacidade de pagamento. Este segundo caso constitui o superendividamento passivo, em que a família não foi responsável por sua condição, dada a ocorrência de fatos imprevisíveis (Gloukoviezoff, 2006;Schmidt Neto, 2009;Crocco;Santos;Figueiredo, 2013) 3 .…”

Section: Regulamentação E Sistema De Proteção Ao Consumidor Financeirounclassified

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Um plano nacional de capacitação financeira: o caso brasileiro *

2019

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Resumo Este artigo discute formatos desejáveis para um plano nacional de capacitação financeira, a partir da experiência brasileira. As propostas convencionais usualmente dão excessiva importância à educação financeira, sob justificativa de que a transferência de conhecimento e informação é a melhor forma de promover alfabetização, capacitação e bem-estar financeiro. A análise crítica desta proposta mostra, porém, que ela é inadequada, pois: i) é imperativo incluir o ambiente em que as decisões financeiras são tomadas e; ii) a qualificação financeira não pode se dar prioritariamente via transferência de conhecimento, mas pelo aconselhamento financeiro provido por especialistas independentes.

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Section: A Análise Crítica Institucionalista Da Educação Financeira Cunclassified

Section: Regulamentação E Sistema De Proteção Ao Consumidor Financeirounclassified

Um plano nacional de capacitação financeira: o caso brasileiro *

2019

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“…These indicators reveal major disparities between the units of the Brazilian Federation, as in March 2015, a total of 1922 Brazilian municipalities did not have bank branches, ie, 34.5% of Brazilian municipalities (BCB, ). Therefore, there is still vast asymmetry in Brazil in the access to and use of banking services (Crocco, Santos, & Figueiredo, ).…”

Section: Introductionmentioning

confidence: 99%

ICT‐equipped bank boat and the financial inclusion of the riverine population of Marajó Island in the Brazilian Amazon

Jóia

Santos

2018

Information Systems Journal

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The challenge in offering public services in less developed areas in Brazil has mobilized the government in search of new and creative approaches that can reduce major interregional disparities, including lack of access to the financial system, which is the prevailing situation on Marajó Island in the state of Pará in the Brazilian Amazon. To transform this reality, an information and communication technology (ICT)–equipped travelling bank branch installed on a boat—named Agência Barco—was designed for the purpose of meeting the financial needs of the riverine population that lives in a vast territory with low population density, marked transportation difficulties, and a limited supply of ICT. Thus, this research aims to assess the impact of this bank boat in the financial inclusion of a riverine population of Marajó Island in the state of Pará, which is the unit of analysis of this work. The research outcomes indicate that Agência Barco, via ICT, has partially managed to provide access to financial products and services that might be of interest to the riverine population of Marajó Island. However, the lack of basic financial education and context‐based issues related to the ICT infrastructure has been obstacles to the financial inclusion of this riverine population. Finally, the absence of involvement of local people in this endeavour has not stimulated dynamics of empowerment and participation that could lead to sustainable financial inclusion.

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“…34.5% of Brazilian municipalities [5]. Therefore, there is still vast asymmetry in Brazil in access to and use of banking services [6].…”

Section: Introductionmentioning

confidence: 99%

ICT and Financial Inclusion in the Brazilian Amazon

Jóia

Santos

2017

Lecture Notes in Computer Science

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The challenge of providing the infrastructure of public services in the less developed regions of Brazil has mobilized the Brazilian government in the quest for new and creative approaches that can reduce the major interregional disparities in the country. One of the initiatives implemented include access to the financial system, since, by way of example, such access is almost non-existent on Marajó Island in the state of Pará in the Brazilian Amazon. To change this reality, an innovative e-government project is the itinerant bank branch installed in a boat, named Agência Barco, to serve the riverine populations of regions with low population density, transportation difficulties and limitations in access to information and communication technology (ICT). Thus, the main objective of this research is to identify how the financial inclusion indicators have been influenced by the work of Agência Barco on Marajó Island from the ICT standpoint. The results obtained led to the conclusion that Agência Barco has been able to attend the needs of access to financial products and services demanded by the population of Marajó Island, as well as identify opportunities for broadening financial education and inclusion through this e-government venture.

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Exclusão financeira no Brasil: uma análise regional exploratória

Cited by 13 publications

References 6 publications

Um plano nacional de capacitação financeira: o caso brasileiro *

Um plano nacional de capacitação financeira: o caso brasileiro *

ICT‐equipped bank boat and the financial inclusion of the riverine population of Marajó Island in the Brazilian Amazon

ICT and Financial Inclusion in the Brazilian Amazon

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