2019
DOI: 10.21527/2237-6453.2019.47.120-135
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O Programa Minha Casa Minha Vida e as Tecnologias de Microcrédito: Contribuições para uma Agenda de Pesquisa

Abstract: Dada a natureza e objetivos do Programa Minha Casa Minha Vida é iniciada uma tentativa de identificação de potenciais de aperfeiçoamento a partir das inovações de crédito abordadas pela literatura de microfinanças. Através de estudo de caso da modalidade Entidades, demonstra-se que grande parte dos mecanismos apontadas pela literatura de microfinanças e que estão previstos na legislação do programa encontram óbices de implementação. As técnicas de pesquisa utilizadas envolveram a coleta de dados e análise de r… Show more

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“…They use their agency to respond to individuals and circumstances at the frontline instead of only responding to rules, procedures, and laws (Maynard-Moody and Musheno, 2000). Credit agents also use discretionary spaces to meet the local needs of micro-entrepreneurs (Ambrozio and Gonzalez, 2019). On the other hand, both SLW and credit agents may serve as gatekeepers in the access to scarce services and benefits, which is commonly associated with ‘negative discretion’ in the sense that it may adversely affect the expected policy outcomes (Alden, 2015).…”
Section: Literature Backgroundmentioning
confidence: 99%
See 1 more Smart Citation
“…They use their agency to respond to individuals and circumstances at the frontline instead of only responding to rules, procedures, and laws (Maynard-Moody and Musheno, 2000). Credit agents also use discretionary spaces to meet the local needs of micro-entrepreneurs (Ambrozio and Gonzalez, 2019). On the other hand, both SLW and credit agents may serve as gatekeepers in the access to scarce services and benefits, which is commonly associated with ‘negative discretion’ in the sense that it may adversely affect the expected policy outcomes (Alden, 2015).…”
Section: Literature Backgroundmentioning
confidence: 99%
“…Faixa-1 is the cluster that includes families whose monthly income is less than two minimum wages (approximately US$550 in 2019). For this group, recipient families were supposed to pay between 5% and 10% of the house value (Ambrozio and Gonzalez, 2019).…”
Section: Literature Backgroundmentioning
confidence: 99%