Racionalidades em questão num contexto de práticas de microfinanças em Moçambique, estudo de caso: beneficiários da World Relief- Fundo para Crédito Comunitário -Xai-Xai

Abstract

World Relief - Fund for Community Credit is a foreign NGO that emerged as a pioneer of microfinance institutions in Mozambique by introducing in 1993 the “Community Banking” program, initially in the District of Chókwè and later for other districts and provinces. We selected the District of Xai-Xai as a field of study and found that the methodology used in granting credits is based on the organization of beneficiaries in groups, which in turn are responsible for the performance of each of its members. Based on the assumption that the economic needs the non-economic to survive, that is, the principle of universal coexistence between the economic and the non-economic, we ask the following question: “what type of logic and strategies (individual and collective) are adopted? beneficiaries of microfinance projects with a view to satisfying the demands of the environment or context of origin and, on the other hand, aiming to resist before the imposition of the demands of the institutions? ”, since the strategies must be understood, according to the suggestion of Bourdieu (1988 : 42-45), within the scope of the field's operation, which are configured by a conflict of values, system of dispositions, actions and appraisals. In view of this problem, we raised some hypotheses that will guide our research: H1: The adhesion of individuals to groups of beneficiaries of microfinance can be seen as one of the economic and social strategies, aiming at their survival, along with kinship networks, allies and neighborhoods; H2: We admit that the fact that beneficiaries adhere to credit does not necessarily imply that they are aware of their productive use, but we advance the possibility that these agents have