Impacto do microcrédito da world relief/fundo de crédito comunitário - WR/FCC nas actividades de rendimentos dos refugiados burundeses e ruandeses na Cidade de Maputo, 2001 -2005.

Abstract

This paper aims to analyse the impact of micro-credit in the process of integration of Burundian and Rwandan refugees in the city of Maputo, and took into account the period from 2001 to 2005. It is the result of a literature review on the problematic of refugee integration in host countries confronted with data from the field, where micro-credit beneficiaries develop their activities. The results of the fieldwork revealed that in general, the impact of the micro-credit provided by WR/FCC is positive for its beneficiaries. Most of them have been able to achieve self-sufficiency, manifested by the growth of their commercial activities and improvement in the quality of their lives and that of their dependents. In addition, they create jobs for their newly arrived compatriots and some Mozambicans. They supply the population with basic necessities in the places where they carry out their activities, at the level of Mozambican traders. There are also attitudes of solidarity between the refugees who benefit from micro-credit and local traders, in the acquisition of products to sell, coordination of prices and sometimes loans of money. Despite the existence of conflicts with some Mozambican traders because of the prosperity they show in their commercial activities, the refugees show that they are integrated into the local community, manifested essentially by the use of the local language. Most of the beneficiaries are satisfied with the micro-credit program as a source of income generation for their families and the development of their commercial activities, although some are not very satisfied with the penalties they are subjected to when they cannot repay on time.(TRADUÇAO NOSSA)