Impacto da poupança e crédito rotativo no domínio de desenvolvimento comunitário dos pescadores artesanais (2004-2009)

Abstract

The purpose of this paper is to study the impact of Savings and Revolving Credit (PCR) at the welfare level of the artisanal fishermen community of Zalala in the period between 2004/2009. For the elaboration of the same, a bibliographic survey was made, interviews with technicians and extension workers from the Small Scale Fisheries Development Institute (IDPPE) with knowledge of the subject under study, a survey was also carried out with community of artisanal fishermen from Zalala who adhere to the PCR system. The PCR groups are made up mostly of women who resort to the system to minimize their situation of financial dependence on their husbands, gaining awareness of gender equality and sometimes not assuming attitudes and macho behaviors. Emphasize that almost all PCR members practice some activity of generating income as a source of resources for saving and consumption. Savings and credits are made at the level of the savings group, since there is no micro-bank finances in the community. For fishermen who use the system as a method of managing their resources through the practice of Savings and Revolving Credit (PCR) manage to improve their levels of social and economic well-being through capital accumulation, diversifying or starting a business, building decent housing and improving fishing techniques without using credit from financial institutions.( Nossa Tradução)