O impacto econômico e social das microfinanças no desenvolvimento local, estudo de caso: a associação de camponeses de Macuvulane

Abstract

Microfinance is an important instrument of financial intermediation appropriate for economic development and with an impact on the standard of living of the poorest populations, financing microenterprises that generate self-employment, employment and income. The present work intends to show the socio-economic impact that the provision of microfinance services has on local development in general and on the members of the Macuvulane Peasants Association in the Magude District in particular, and how this contributes to the increase and improvement of the level and standards of living of the population. The work concluded that the provision of this type of services to low-income people has an immediate and positive effect on the beneficiaries, in particular, as it ensures the financial stability of their micro-enterprises, taking the profitable ones in such a way that, due to their multiplier effect, new income-generating activities may arise, contributing to the improvement of the level of the local population. It appears that the provision of this type of services is still little felt in rural areas, hence it is recommended the expansion of Microfinance Institutions (MFIs) to these areas, presenting new services and financial products and intervention by the government through of programs, projects and partnerships for the creation of basic infrastructure and incentives so that MFIs can feel more attracted to operating in these areas. (TRADUÇÃO NOSSA)