Bancos comunitários e o empreendedorismo social: um estudo de aplicabilidade no município de Rondon do Pará (PA)

Abstract

The process of social entrepreneurship requires, mainly, the redesign of relations between community, government and the private sector, and ischaracterized by partnerships, which subsidize the provision of financial resources, which are the main means for organizations to provide microcredit and thus, of the poverty index. In order to eradicate poverty in Bangladesh, Muhammad Yunus founded the Grameen Bank, the Bank of the Village, and from that moment several institutions were set up with the same objective. In Brazil, some institutions were created with this focus, such as Banco Palmas, the country's first Community Development Bank (BCD), andfrom them others have emerged. Parente, Costa, Santos et el. (2011) assert that every human being is capable of undertaking and has the conditions to idealize, create and develop attitudes that will alleviate the problems faced by families in poverty. According to the Brazilian Network of Community Banks (2006), a BCD is a provider of financial services, in an associative and communitarian way, in order to generate employment and income, to promote and reorganize the local economy, developing dynamically the maximization of offers of financial services, strengthening the territory in which it is inserted. In this way, one has to think about what would be necessary to implement a BCD in a given region, and in this way, the objective of this research was to identify the feasibility factors for the implementation and operation of a community bank in the region. Municipality of Rondon do Pará -PA. In order to reach this objective, the research will have a qualitative approach, classified as exploratory and bibliographical, using the strategic method of multiple case studies, through a comparative analysis, through the data obtained through semi-structured interviews, carried out with the coordinators of four community banks that are in different communities and states of the country. Where essential information was obtained for the implementation of a BCD, and more, points that indicate the success of these institutions, the way they generate economic development, alleviate differences and promote social inclusion.