Dissertations / Theses on the topic 'Microfinance, Poverty, Microcredit'
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Zetek, Pavel. "Efficiency of Microfinance Institutions in Latin America and Asia." Doctoral thesis, Vysoká škola ekonomická v Praze, 2013. http://www.nusl.cz/ntk/nusl-200216.
Full textRahman, Sayma. "The impact of microcredit on poverty and women's empowerment a case study of Bangladesh /." View thesis, 2007. http://handle.uws.edu.au:8081/1959.7/36990.
Full textA thesis presented to the University of Western Sydney, College of Law and Business, School of Economics and Finance, in fulfilment of the requirements for the degree of Doctor of Philosophy. Includes bibliographies.
Salt, Rebekah. "An ethnography of women participating in a United States microcredit program /." Thesis, Connect to this title online; UW restricted, 2007. http://hdl.handle.net/1773/7186.
Full textAhlén, Marie. "Rural Member-Based Microfinance Institutions : A field study assessing the impacts of SACCOS and VICOBA in Babati district, Tanzania." Thesis, Södertörns högskola, Institutionen för livsvetenskaper, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-16882.
Full textBayo, Soumahila. "Microcrédit et genre dans un contexte de pauvreté en haute Guinée." Thesis, Toulouse 2, 2017. http://www.theses.fr/2017TOU20126/document.
Full textThe purpose of this dissertation is the understanding of the mechanisms of the development of microfinance in relation to gender issues in Upper Guinea, in the republic of Guinea. Indeed, the examination of social relations in Upper Guinea suggests gender disparities to the detriment of women. They are disproportionately affected by many socio-economic, cultural, and political inequalities: they have little or no involvement at all in the decision-making process; they have very low levels of education and training in comparison to men; they have no control over productive and economic resources (trees, fruit trees, mines, fishing, among others). This situation results in the devaluation of their social status, significant domestic workload, and above all, women’s generalized impoverishment. Confronted with this reality, some women adhere to the logic of borrowing, which is based on micro-credits in order to start, strengthen or diversify income generating activities in the trade, crafts and agriculture sectors. For the purpose of further exploring that issue, this dissertation attempts to analyze the effects of microfinance on women’s life in this region of Guinea.Using a methodological approach, which is primarily qualitative, the examination of field realities shows that microfinance is not a miracle solution to fight poverty among women and gender inequalities. It may just as well produce opposite effects resulting in the worsening of their economic and social situation (over-indebtedness, poverty, migration, exclusion, divorce, prostitution, exposure to HIV/AIDS)
Kengue, Mayamou Pascal. "La microfinance en Tunisie et en Egypte : un outil au service du développement local." Thesis, Rennes 2, 2012. http://www.theses.fr/2012REN20012/document.
Full textMicrofinance in Egypt and in Tunisia as well has been given for decades an answer to the permanent need from populations that are excluded from the formal banking system. These populations have no other sources of finance than that of microfinance. These funds are mainly, microcredit, savings and insurance. Our research questions the influence and the capacity that microfinance exerts upon both countries especially on their participation to another development mode, local and socially sustainable. To address these questions we adopted a hybrid methodology (in depth documentation, interviews and surveys with questionnaires).This method has permitted to shed a better light on the microfinance issue through a typology of microfinance institutions and through their ability to meet the demand from the populations of rural and suburban areas in Tunisia and Egypt. Our main theoretical contribution is to make it clear that this whole set of elements allows an analysis about the impact of microfinance on development. To what extent does it enable the people to escape from poverty, what is its place in the local development especially in the rural and suburban areas in the large cities like Tunis and Cairo ? Here are the main questions we could deal with
Koutná, Barbora. "Kvalita úvěrového portfolia mikrofinančních institucí." Master's thesis, Vysoká škola ekonomická v Praze, 2015. http://www.nusl.cz/ntk/nusl-264625.
Full textde, Goey Heleen. "The social impact of microfinance: what changes in well-being are perceived by women group borrowers after obtaining a group loan? : A participatory rural appraisal in Dar es Salaam Region, Tanzania." Thesis, Uppsala universitet, Institutionen för geovetenskaper, 2012. http://urn.kb.se/resolve?urn=urn:nbn:se:uu:diva-179782.
Full textSabin, Nicholas Edward. "Group structure and behaviour in microfinance : empirics from Sierra Leone." Thesis, University of Oxford, 2014. http://ora.ox.ac.uk/objects/uuid:77bff847-c50b-4e22-8859-5134ea74b7c2.
Full textAtiase, Victor Yawo. "The impact of FNGO services on the performance of micro and small enterprises : empirical evidence from the Volta Region, Ghana." Thesis, University of Wolverhampton, 2018. http://hdl.handle.net/2436/621812.
Full textŠimlová, Denisa. "Mikrofinancování - nástroj ke snižování chudoby." Master's thesis, Vysoká škola ekonomická v Praze, 2007. http://www.nusl.cz/ntk/nusl-5394.
Full textSall, Aminata. "Les stratégies et initiatives des femmes dans le secteur de la microfinance : Le cas du Sénégal." Thesis, Paris 5, 2012. http://www.theses.fr/2012PA05H044/document.
Full textWomen's microcredit associations allow Senegalese women to support each other while investing in the microfinance sector. Formal and informal savings and credit systems ensure the families survival and the purchase of goods. These, as well as the flow of cash, are proofs of economic success and a source of prestige in Senegal. Solidarity strategies, along with social and economic networking practices originate from key community leaders (both founders and leaders) with the help of technical and financial partners. The state and associated NGOs provide the biggest part of the financial and technical support. The partnerhip fits into a general fight against poverty where women are understood as resources and profitable investments. However one could argue that associated partners often benefit more from the fight against poverty- and the development of microcredit- than Senegalese women themselves. Using a specific case study, the thesis examines the microcredit practices of Senegalese women involved in the associative sector; the power dynamics behind associations of people and, finally, the objectives of each participant (NGOs, state and women’s associations)
Mededji, Damien Dieudonné Napoléon. "Analyse de la contribution des coopératives et mutuelles de crédit à l'amélioration du bien-être des ménages sociétaires au Bénin." Thesis, Clermont-Ferrand 1, 2012. http://www.theses.fr/2012CLF10373.
Full textThis thesis contributes to analyze the extent to which financial cooperatives contribute to povertyreduction. From this point of view, our analysis focused on both the adequacy of the conceptualframework of these institutions and their impact on members. As for their operation, our analysis showsin the case of Benin that cooperative principles generally applied. However, they face problems offinancial sustainability and governance related to the growth of membership.With regard to their impact on shareholders, our results suggest that in the short term, the integratednature of these institutions has proven globally relevant. As for the financial dimension, it appears fromthe results that the community loan contributes positively to the growth of household income, theincrease of investment in human capital for children through higher education and health spending, butwith a relatively small range. However, the community loan had no effect on the growth of savings. As forthe non-Financial dimension, our results suggest that non-Financial services offered exercise through thestakeholder-Status, a positive influence on the formation of the income of households that arebeneficiaries of the cooperative loan.In the same vein, in terms of economic mobility, our results suggest, in short-Term a relatively lowmobility of recipient households which is also related to the initial state of well-Being. In other words, thefrequency of mobility is upward for all states of welfare for all recipients, except for the poorestshareholder households. Compared to non-Beneficiaries, our results suggest in some ways, a high upwardmobility for beneficiary households. Over a longer term, our results suggest a very slow convergence ofmembers to a state of higher well-Being when the cooperatives are not subject to change in their povertyreduction strategies.In addition, the analysis of the influence of the degree of credit constraints revealed by the shareholderswho were beneficiaries of the community loan, shows that the existence of credit constraints in the supplyside does not seem to have influenced the living standards of beneficiaries who rated the value of the loanreceived as "insufficient" or "very insufficient" in the short term. But, compared to recipients who foundthe value of the loan received "sufficient", our results suggest at first, the existence of a selection bias andin a second step, the chance to escape poverty is lower for this category of beneficiaries compared to therest of the population with the same characteristics but who feel very constrained ("loan received is veryinsufficient") or partially constrained ("loan received is insufficient".)In total, our results highlight that the integrated nature of cooperatives can contribute to economic growthand improve the welfare of poor and vulnerable members, provided that these cooperatives clearly definea strategy in that direction and spread it over a defined period of time. In addition, to achieve this, theseinstitutions need to be supported by external grants or other complementary programs, when oneconsiders their endogenous mode of resource mobilization
Kamaha, Marinette. "L'efficacité du microcrédit dans les pays industrialisés : le cas de la France." Thesis, Bordeaux, 2014. http://www.theses.fr/2014BORD0162/document.
Full textThis thesis aims at determining whether microfinance institutions (MFIs) in France succeed inovercoming poverty and exclusion and in supporting entrepreneurship. More precisely, we assessthe social performance of the MFIs both in terms of outreach and impact. We show in a firstsection that non-bank MFIs in France reach the poor and individuals at high-risk of exclusion,and their offer is adapted to their clientele. However, because none of these IMFs are viable,their capacity to durably serve the largest number is questioned. This underlines the need formaintaining subsidies. We also highlight the existence of two types of strategy within the sector(social vs economic), which leads to a differentiated treatment of customers according to theobjective pursued by the MFI. In a second section we show that in a time of persistent economiccrisis, microcredit demonstrates some ability to support business and job creation. However, thisability depends on the type of microcredit in question (micro-enterprises lenders vs socialinclusion lenders). Business support shows itself very useful on the whole, but we bring to theforeground differences in perception among the beneficiaries. Besides, microcredit proves tohave a strong psychological impact even when economic gains are low. There is an overallimprovement in the working position of beneficiaries, although gains are limited by theprecariousness of jobs and relative low incomes. This suggests a contrast between perception andeconomic reality
Lindahl, Pontus, and Linda Mokvist. "ACCESSING MICROFINANCE THROUGH FINANCIAL LITERACY : A Case Study of Hand in Hand Eastern Africa’s Operations in Kenya." Thesis, Umeå universitet, Företagsekonomi, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-172599.
Full textAllambademel, Vincent de paul. "Institutions de microfinance et lutte contre la pauvreté dans les pays du sud : le cas du Tchad, approche socio-économique." Thesis, Besançon, 2012. http://www.theses.fr/2012BESA1024.
Full textMicrofinance, which one of the objectives is combating poverty, is the provision of financial products to all people who are excluded from the traditional. It emerged in the 1970s, spread in the countries of the South and proved to be, in a few decades, an instrument of development. This dissertation highlights his limits and his drawbacks, without denying some of its success. In Chad, in some cases, it has produced perverse effects and led to debt. This study is a pluridisciplinary field work, which aligns financial and socio-cultural approaches. Our research has shown, among others, how and at what level is situated the intervention of microfinance to the poor. In that process, we analyzed the obstacles and specified the conditions required so that this type of tool could be effective, the informal sector and social solidarity and economy etc. restore the social ties as they are effective for combating exclusion
Vallée, Odile. "Approche communicationelle de la construction du microcrédit comme cause internationale : pratiques, discours, figures." Thesis, Paris 4, 2014. http://www.theses.fr/2014PA040130.
Full textMicrocredit is a widespread financial tool, originally designed to lend small amounts of money to very poor people.This thesis questions the communication processes that enabled its construction as an international cause. Microcredit Summit Campaign is a network of organizations that strongly advocates for the acknowledgement of microcredit as a tool to fight poverty . The study of its practices and the forms of its discourse highlights the logistic and symbolic conditions required for the conversion of a financial theory into a praiseworthy, endorsable and universal cause.Drawing on a discourse and semiotic analysis of documented and ethnographical sources, the communicational approach of this topic links together two theoretical perspectives.On the one hand, it focuses on Microcredit Summit Campaign as a social movement organization and discusses the symbolic constraints imposed by a requirement for visibility in the public sphere. It influences their eligibility as spokeperson, their standards of action and their modes of justification.On the other hand, the thesis questions the legibility of microcredit as a cause. In this perspective, it analyzes the symbolic mediations that allow it to be embodied. To support the analysis, two compatible actors – “microentrepreneur” and “macroentrepreneur” - are strategically used in the discourse. The study of their characteristics reveals a paradoxical symbolic meaning and effect.Thus, the thesis confronts the "ulterior motives" of the semiotic forms used to support the discourse with the strategic intentions. In doing so, it sheds light on how a contemporary perspective on treating poverty is symbolically integrated in its " orders of discourse "
Sery, Annelise. "Le micro crédit : l'empowerment des femmes ivoiriennes." Phd thesis, Université Paul Valéry - Montpellier III, 2012. http://tel.archives-ouvertes.fr/tel-00735562.
Full textJesus, Regina Jacqueline Brandão de. "Microcrédito na Região Metropolitana de Salvador (RMS): análise no período de 2010 a 2014." Universidade Catolica de Salvador, 2018. http://ri.ucsal.br:8080/jspui/handle/prefix/406.
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Esta tese tem por objetivo avaliar o microcrédito na Região Metropolitana de Salvador (RMS) no período compreendido entre 2010 e 2014. Este trabalho apresenta uma investigação a partir de dados coletados do Instituto Brasileiro de Geografia e Estatística (IBGE), Instituto de Pesquisa Econômica Aplicada (IPEA), Banco do Nordeste (BNB), Banco Central (BACEN), Serviço Brasileiro de Apoio às Micro e Pequenas Empresas (SEBRAE), dentre outros. Através da análise de dados, mostrou-se que tanto a população quanto os empreendimentos da região metropolitana buscam cada vez mais pelo microcrédito e, que os microempreendimentos individuais, solidários ou não, são vistos como a saída para geração e complementação da renda familiar. A pesquisa realizada também revela que o microcrédito é uma atividade importante na economia baiana e brasileira, especialmente se comparada a outros países da América Latina. Mostra ainda que a ampliação da oferta do microcrédito é parte do modelo que tem por objetivo a gestão da pobreza e seus efeitos na sociedade, e que a oferta de serviços de microfinanças cresce fundamentada nas orientações caracterizadas por procedimentos de rentabilidade tipicamente financeiros. Os resultados revelam que, entre 2010 e 2014, houve desenvolvimento social na Região Metropolitana de Salvador, porém não foi possível associar as melhorias aos programas de microcrédito ofertados na região.
This thesis aims to evaluate microcredit in the Metropolitan Region of Salvador (RMS) in the period between 2010 and 2014. This paper presents an investigation based on data collected from the Brazilian Institute of Geography and Statistics (IBGE), Institute of Applied Economic Research (IPEA), Banco do Nordeste (BNB), Banco Central (BACEN), Brazilian Service to Support Micro and Small Enterprises (SEBRAE), among others. Through the analysis of data, it was shown that both the population and the enterprises of the metropolitan region are increasingly seeking microcredit and that individual microenterprises are seen as the output for generation and complementation of family income. The research also reveals that microcredit is an important activity in the Bahia and Brazilian economy, especially when compared to other Latin American countries. It also shows that the expansion of the microcredit supply is part of the model that has the objective of managing poverty and its effects on society, and that the supply of microfinance services grows based on guidelines characterized by typically financial profitability procedures. The results show that, between 2010 and 2014, there was social development in the Metropolitan Region of Salvador, but it was not possible to associate the improvements to the microcredit programs offered in the region.
Brito, Volnandy de Aragão. "Efeitos socioeconômicos do Agroamigo : uma estratégia de fortalecimento da agricultura familiar no estado de Sergipe." Pós-Graduação em Geografia, 2017. http://ri.ufs.br/jspui/handle/riufs/7929.
Full textO Agroamigo é um programa de microcrédito rural inserido no contexto metodológico do Programa Nacional de Fortalecimento da Agricultura Familiar e do Programa Nacional de Microcrédito Produtivo Orientado (PNMPO). É Operacionalizado no Banco do Nordeste do Brasil nos Estados do Nordeste e norte de Minas Gerais e Espírito Santo através de parceria com o Instituto Nordeste Cidadania. Sua missão é promover o desenvolvimento rural através da concessão de pequenos financiamentos (visão quantitativa) para investimentos e custeio, em atividades agropecuárias e não agropecuárias, de forma rotativa ou não, bem como orientação creditícia e acompanhamento técnico (visão qualitativa) no decurso do prazo do financiamento. Como crédito rural produtivo e orientado, o Agroamigo, transcede à mera concessão de crédito bancário e figura como instrumento de uma política de desenvolvimento local e regional, que deverá estar integrado às outras políticas de desenvolvimento regional como o PAA, o PGPAF, o Proagro, o Bolsa Família, o Luz Para Todos, etc, de forma a maximizar seus efeitos sociais e econômicos. Esta pesquisa tem como objetivo explicitar quais efeitos na perspectiva individual e na perspectiva loco-regional vem trazendo o Agroamigo, considerando o crescimento vertiginoso e ascendente no quantitativo de operações contratadas nessa metodologia. Investiga se esse crescimento quantitativo vem sendo acompanhado de mudanças sociais e financeiras nos tomadores de crédito e suas externalidades socioeconômicas nos municípios, ao induzir maior fluxo de capital e circulação de bens e serviços. O espaço regional analisado são os principais municípios “tomadores de crédito” no Estado de Sergipe, tendo sido definido a linha de tempo de 2005 a 2015. Inicia-se com uma abordagem conceitual e histórico-factual sobre o PRONAF, o surgimento do Agroamigo e sua inserção na metodologia PNMPO. Prossegue com a apresentação dos dados coletados, a pesquisa de campo realizada, os resultados esperados. Por fim discute os dados e informações à luz da tese levantada dos efeitos do Agroamigo no desenvolvimento regional. A análise dos dados ratificou os impactos positivo do Agroamigo na geração de renda e seus efeitos na economia local, o que justifica a escolha do tema como problemática relevante no âmbito da politica de desenvolvimento regional e no processo de organização do espaço rural.
São Cristóvão, SE
Rodrigues, Ana Raquel Marques Franco da Costa. "A crise financeira internacional e o seu impacto no Microcrédito em Moçambique." Master's thesis, Instituto Superior de Economia e Gestão, 2014. http://hdl.handle.net/10400.5/7588.
Full textEste estudo pretende analisar o impacto da crise financeira internacional no microcrédito em Moçambique. Utilizando a metodologia de estudo de caso, começamos por procurar compreender o impacto da pobreza no mundo, e desta forma tentar perceber como as microfinanças aparecem para tentar solucionar este problema. Assim sendo, tentar-se-á verificar como as microfinanças se introduzem nos países, o que oferecem e como o oferecem. Sendo a crise financeira de 2008 uma das grandes variáveis em questão, torna-se claro a necessidade de validar qual o seu impacto nos mercados, em especial no caso de Moçambique, o nosso estudo de caso. Neste sentido, percebemos que um dos motivos para o grande impacto desta crise deve-se, principalmente, ao facto da grande maioria dos países se encontrarem num mercado cada vez mais globalizado, onde Moçambique, por motivos específicos e detalhados neste estudo, não se encontra inserido. Com o avançar deste estudo afastamo-nos ainda mais da possibilidade das instituições de microfinanças, em Moçambique, sofrerem com a crise económica mundial, sendo que o principal driver para este acontecimento, advém do facto destas instituições de microfinanças terem o mesmo propósito de lucro dos bancos comerciais, com a vantagem de não estarem dependentes de doadores externos. Por outro lado, a capacidade destas instituições, que se encontram protegidas e com diferentes estratégias de evolução, em conseguir superar a perda de investidores externos, acaba por ser superior às que não têm como principal foco a obtenção de lucro.
This study aims to analyze the impact of international financial crisis on microcredit in Mozambique. We begin this investigation by trying to understand the impact of poverty in the world and how microfinance appear to solve this problem, using the case study methodology. Therefore,we will try to realize how microfinance were introduced in those countries and the offers that were also related to them. As we can see, the financial crisis of 2008 is one of the major reason to this event, becoming evident the need to validate their impact in the markets, especially in the case of Mozambique. In this sense , we realize that one of the reasons for the great impact of this crisis is due mainly to the fact that most countries are in a market that is increasingly globalized , where Mozambique is not included. Detailing this analysis, it is removed the possibility of microfinance institutions in Mozambique to being affected by the global economic crisis, and the main driver for this event comes from the fact that these microfinance institutions have the same purpose of profit commercial banks , with the advantage of not being dependent on external donors. Moreover, the ability of these institutions, which are protected with different evolution strategies in getting over the loss of outside investors, turns out to be greater than among those whose main focus is the profit.
Rahman, Sayma, University of Western Sydney, College of Law and Business, and School of Economics and Finance. "The impact of microcredit on poverty and women's empowerment : a case study of Bangladesh." 2007. http://handle.uws.edu.au:8081/1959.7/36990.
Full textDoctor of Philosophy (PhD)
Dias, Liliana Mota. "Is microcredit reaching the poorest and contributing for the reduction of poverty?" Master's thesis, 2018. http://hdl.handle.net/10071/17335.
Full textO objetivo deste ensaio é perceber porque é que as Instituições de Microcrédito, também conhecidas como IFMs, gastam milhões de dólares a tentar eliminar a pobreza através de pequenos empréstimos a empreendedores empobrecidos. IFMs argumentam que o microcrédito mitiga as falhas do mercado, estimula o crescimento das microempresas e estimula o bem-estar dos mutuários. Consequentemente, uma onda maciça de especulações teóricas foi levantada, recorrendo aos mais recentes avanços teóricos em economia e finanças. Este ensaio baseia-se na literatura existente para sintetizar as evidências disponíveis de uma forma que permita um conhecimento abrangente de alguns fatos empíricos básicos. No geral, os resultados sugerem que a expansão da indústria do microcrédito e os altos índices de pagamento de empréstimos, levantam dúvidas sobre o real impacto que se verifica nos clientes. A disseminação do microcrédito para o consumidor e o crescimento descontrolado das microfinanças levaram ao excesso de empréstimos sem verificação e equilíbrio adequados. Como resultado, os mutuários não conseguem pagar os seus empréstimos, acabando por usar novos empréstimos para pagar os antigos, o que leva ao superendividamento e à tensão e crítica associadas ao microcrédito.
Simataa, Linus Milinga. "Microfinance and poverty alleviation: a study of three savings and credit associations, Caprivi region, Namibia." 2013. http://hdl.handle.net/11394/3878.
Full textAccording to Professor Muhammed Yunus, Nobel Prize winner in 2006 and the founder of the internationally acclaimed Grameen Bank in Bangladesh, microfinance is a viable solution to poverty alleviation among the poorest people residing in rural areas. Microfinance programs have led to poverty alleviation and empowerment of especially rural based women of developing societies, as they enable the poor to manage their finances and cope with unpredictable shocks and emergencies (Yunus, 2007). This research evaluated the developmental impact of microfinance on poverty alleviation and women empowerment. It assessed the impact of the existing microfinance programmes among the members of the three microfinance Savings and Credit Associations (SCAs) in the rural areas of the Caprivi region of Namibia. This study explored whether microfinance programs have helped their members to minimize financial vulnerability through diversification of income sources and accumulation of assets. The research employed both qualitative and quantitative research designs. Data were collected through different qualitative and quantitative techniques (in-depth individual interviews, faceto- face interviews, questionnaire and questionnaire schedule). Summary findings indicate that the SCAs has positively contributed to the socio-economic improvement in the living standards (contribution to livelihood – increased income, enhanced health, and food status), improved education/healthcare, women empowerment through micro enterprise training and skill development. However, SCAs are still struggling with challenges, such as lack of income, high default rates and unprofitable micro enterprises. This research makes several recommendations, including: MFIs should concentrate on women’s economic empowerment as their main aim, incentives should be provided to the MFIs to encourage savings and investment amongst the poor, and if microfinance is to be used as a promotional tool for credit and saving services for the poor, then the socio-economic consequences of micro-credit lending have to be re-investigated, especially when they negatively impact on poverty reduction.
Sawimbo, Zenaida Beatriz Kanjala. "O microcrédito como instrumento para a erradicação da pobreza e exclusão social." Master's thesis, 2015. http://hdl.handle.net/10437/6778.
Full textO presente trabalho, que tem como tema O Microcrédito como Instrumento para a Erradicação da Pobreza e Exclusão Social, procura compreender a problemática da pobreza e exclusão social, analisar a funcionalidade, os efeitos económicos e sociais do instrumento financeiro “microcrédito”. A investigação é orientada para o tratamento da seguinte questão: Será que o microcrédito contribui para erradicar a pobreza e a exclusão social? Como resposta à questão de investigação, aplicamos uma metodologia de propósito descritivo e exploratório, baseada no estudo de caso, cujo campo de investigação incidiu sobre uma instituição de microcrédito e respetivos clientes. Os resultados obtidos sugerem as seguintes conclusões: o microcrédito pode ser utilizado como instrumento para o combate à exclusão social numa determinada região em estudo, pois grande parte dos clientes financiados pela instituição estudada estão satisfeitos com a oportunidade de terem tido acesso a empréstimos, dos quais resultaram mudanças favoráveis nas suas condições de vida.
This work, whose theme is The Microcredit as a Vehicle for Eradication of Poverty and Social Exclusion, seeks to understand the problems of poverty and social exclusion, analyze the functionality, economic and social effects of the financial instrument "microcredit". The research is oriented to the treatment of the following question: Is the microcredit helps to eradicate poverty and social exclusion? In response to research question, we applied the exploratory and descriptive purpose methodology based on case studies, a field of research focused on a microfinance institution and its clients. The results suggest the following conclusions: the microcredit can be used as a tool to combat social exclusion in a given region under study, since most of the customers questioned are satisfied with the opportunity to have had access to loans, which resulted in changes favorable in their living conditions.