Microcrédito e microempreendedor: o caso do Crediamigo na região do Vale do Jequitinhonha em Minas Gerais

Abstract

Microcredit has awakened the interest of rulers due to its supposed capacity to fight poverty and create economic developmentopportunities in areas traditionally less-favored economically. However, little has been studied about the microenterprises that utilize this type of financing. This paper seeks to clarify how microcredit influences the promotion of entrepreneurship in Vale do Jequitinhonha. In order to explain this phenomenon, asurvey with micro entrepreneurs that were served by Crediamigo was conducted. The collected data was grouped by means of cluster analysis. The data analysis made it possible to verify that microcredit has a positive influence upon the profitability and cash flow emanation in businesses, once it provides the meansfor the generation of working capital in better conditions. Still, this positive influence relation was not observed when it came to job creation, since a big partof it is composed of individual workers.