TYPOLOGIES OF COOPERATION PROCESSES IN MICROCREDIT GROUPS: THE CASE OF THE CREDIAMIGO PROGRAM

Authors

DOI:

https://doi.org/10.12662/2359-618xregea.v10i3.p220-233.2021

Keywords:

microcredit, crediamigo, cooperation processes, credit groups

Abstract

The objective of the paper is to identify the predominant typology of the cooperation process in the Crediamigo program. Through in-depth interviews with different actors from the financial institution, intermediating agency, and micro-entrepreneurs, it was found that the intentional cooperation process stands out in the program. The respondents illustrated that there are strategic reasons for the emergence of cooperation, as reputation is the main criterion for the selection of partners, and access to financial resources are the main objective of cooperation, and that the relationship and interaction between agents are the success factors from the program. Improvement opportunities for the program were identified, such as a greater attention to training and mentoring for participating microentrepreneurs, in addition to fostering intra and inter-group cooperation, to strengthen the productive and competitive capacities of the businesses. Productive microcredit is essential to address economic vulnerability among microentrepreneurs, constituting an important part of business competitiveness.

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Author Biographies

Matheus Dantas Madeira Pontes, Universidade da Integração Internacional da Lusofonia Afro-Brasileira

Doutorando em Gestão pela Universidade da Beira Interior, possui graduação em Ciências Econômicas pela Universidade Federal do Ceará (2009), com intercâmbio acadêmico (2006) na Universidade de Coimbra - Portugal; Pós-Graduado - MBA em Finanças pela Universidade Estácio (2015) e Mestre em Administração (2018) pela Universidade Estadual do Ceará (UECE). Economista da Universidade da Integração Internacional da Lusofonia Afro-Brasileira (UNILAB).

Thayanne Lima Duarte Pontes, Universidade da Beira Interior

Doutoranda em Gestão pela Universidade Beira do Interior (UBI) e Mestre em Administração pela Universidade Potiguar. Graduada em Administração de Empresas pela Faculdade Integrada do Ceará, Pós Graduada em Consultoria Organizacional e Desenvolvimento Humano e com MBA em Marketing. Possui experiência com coordenação e docência universitária, além de lecionar em cursos técnicos e profissionalizantes. Expertise na área de consultoria empresarial com foco em Micro e Pequenas Empresas. Sólido conhecimento na área de inteligência competitiva, comportamento do consumidor e inteligência artificial. Professora universitária, palestrante e facilitadora. Pesquisa atual em Inteligência Artificial, Jornada do Consumidor, Privacidade e Segurança da Informação.
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Published

2021-12-08

How to Cite

PONTES, Matheus Dantas Madeira; PONTES, Thayanne Lima Duarte. TYPOLOGIES OF COOPERATION PROCESSES IN MICROCREDIT GROUPS: THE CASE OF THE CREDIAMIGO PROGRAM. Journal Of Management Analysis, Fortaleza, v. 10, n. 3, p. 220–233, 2021. DOI: 10.12662/2359-618xregea.v10i3.p220-233.2021. Disponível em: https://periodicos.unichristus.edu.br/gestao/article/view/3953. Acesso em: 22 jul. 2024.

Issue

Vol. 10 No. 3 (2021)

Section

ARTICLES

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