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Economia Solidária e Finanças de Proximidade: realidade social e principais características dos empreendimentos de finanças solidárias no Brasil

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  • Sandro Pereira Silva

Abstract

Este texto tem como objetivo analisar os dados dos empreendimentos de finanças solidárias que compõem o Sistema de Informação da Economia Solidária (Sies). Os tipos mais comuns de empreendimentos caracterizados nessa categoria são banco comunitário, cooperativa de crédito e fundo rotativo. Cada um deles possui distintas origens de formação e estrutura operacional. Tais experiências são, de maneira geral, criadas no intuito de proporcionar linhas e canais de crédito produtivo mais simplificados, que levem em conta as características próprias desse tipo de organização socioeconômica e possibilitem alternativas viáveis ao sistema de crédito oficial e de mercado. Da mesma forma que em todos os ramos de manifestação da economia solidária, entre os empreendimentos de finanças solidárias (EFS) existem distintos exemplos de ações exitosas, assim como fatores estruturais de precariedade. This text aims to analyze the data of “solidarity finance” enterprises that make up the Information System of Solidarity Economy (Sies). The most common types of projects featured in this category are: community bank, credit cooperative and revolving fund. Each has different origing and operational structure. Such experiments are generally created in order to provide lines and credit channels more streamlined, taking into account the characteristics of this type of socioeconomic organization and enable viable alternatives to the official credit system and market. As in all branches of manifestation of solidarity economy, among solidarity finance enterprises there are also different examples of successful actions, as well as structural factors of precariousness.

Suggested Citation

  • Sandro Pereira Silva, 2017. "Economia Solidária e Finanças de Proximidade: realidade social e principais características dos empreendimentos de finanças solidárias no Brasil," Discussion Papers 2270, Instituto de Pesquisa Econômica Aplicada - IPEA.
    • Handle: RePEc:ipe:ipetds:2270
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