Submitted by SBI Biblioteca Digital (sbi.bibliotecadigital@puc-campinas.edu.br) on 2019-03-18T13:10:36Z No. of bitstreams: 1 DAVI DE PINHO SPILLEIR.pdf: 956619 bytes, checksum: 7de6e670ce16b17d690d6c2f8175b21c (MD5) / Made available in DSpace on 2019-03-18T13:10:36Z (GMT). No. of bitstreams: 1 DAVI DE PINHO SPILLEIR.pdf: 956619 bytes, checksum: 7de6e670ce16b17d690d6c2f8175b21c (MD5) Previous issue date: 2018-12-12 / Solidarity economy is an important way of production that seeks to promote solidarity, integration and synergy among its participants, who are owners and workers at the same time of these enterprises. However, due to several internal and external factors, these enterprises suffer to remain open and economically viable. The most severe and motivating factor of the greatest number of bankruptcies is the difficulty of obtaining credit. Given the relevance that survival has for all people participating in the solidarity economy, the objective of this work is to make a proactive contribution, identifying and validating elements that may be useful to projects of solidarity economy in relation to obtaining credit. For its accomplishment, as a methodology it is developed, starting from a bibliographical research, defined by periodicals and classic books of the themes, oriented by key words like solidarity economy, enterprise and credit, a research that allowed to find relevant elements, for the discussion in question. For the analysis of the identified elements a categorization was established in relation to the view of the actors involved, that is, the institutional vision, with external factors, and the user's view, with internal elements. The two visions eventually culminated in the elaboration of the propositional contribution. In order to validate such elements, it was followed in four different cases. As a result, it was concluded that the present work is useful for all those projects of solidarity economy that may eventually come up against credit problems. / A economia solid?ria ? uma importante maneira de produ??o que visa promover a solidariedade, integra??o e sinergia entre seus participantes, que s?o propriet?rios e trabalhadores ao mesmo tempo destes empreendimentos. Entretanto por diversos fatores tanto internos, como externos estes empreendimentos sofrem para se manterem abertos e economicamente vi?veis. O mais severo e que motiva o maior n?mero de fal?ncias ? a dificuldade de obten??o credit?cia. Tendo em vista a relev?ncia que a sobreviv?ncia tem para todas as pessoas que participam da economia solid?ria, o objetivo deste trabalho ? fazer uma contribui??o propositiva, identificando e validando elementos que possam ser ?teis a empreendimentos de economia solid?ria no que concerne ? obten??o de cr?dito. Para sua realiza??o, como metodologia desenvolve-se, a partir de uma pesquisa bibliogr?fica, definida por peri?dicos e livros cl?ssicos dos temas, orientada por palavras chaves como economia solid?ria, empreendimento e cr?dito, uma pesquisa que permitiu encontrar elementos relevantes, para a discuss?o em quest?o. Para a an?lise dos elementos identificados foi estabelecida uma categoriza??o em rela??o ? vis?o dos atores envolvidos, ou seja, a vis?o institucional, com fatores externos, e a vis?o de usu?rio, com elementos internos. As duas vis?es acabaram por culminar, finalmente, na elabora??o da contribui??o propositiva. A fim de se validar tais elementos, seguiu-se com a sua aplica??o em quatro casos distintos. Como resultado chegou-se a conclus?o de que o presente trabalho se apresenta como ?til para todos aqueles empreendimentos de economia solid?ria que venham eventualmente a se deparar com problemas credit?cios.

Submitted by Automa??o e Estat?stica (sst@bczm.ufrn.br) on 2018-01-16T16:44:34Z No. of bitstreams: 1 EmanoelNazarenoCado_DISSERT.pdf: 1523920 bytes, checksum: c4957df6e34b3afefdad241edb1eebd2 (MD5) / Approved for entry into archive by Arlan Eloi Leite Silva (eloihistoriador@yahoo.com.br) on 2018-01-18T15:42:09Z (GMT) No. of bitstreams: 1 EmanoelNazarenoCado_DISSERT.pdf: 1523920 bytes, checksum: c4957df6e34b3afefdad241edb1eebd2 (MD5) / Made available in DSpace on 2018-01-18T15:42:09Z (GMT). No. of bitstreams: 1 EmanoelNazarenoCado_DISSERT.pdf: 1523920 bytes, checksum: c4957df6e34b3afefdad241edb1eebd2 (MD5) Previous issue date: 2017-08-15 / Coordena??o de Aperfei?oamento de Pessoal de N?vel Superior (CAPES) / O objeto central do presente trabalho s?o os processos de autonomia e heteronomia dos Bancos Comunit?rios de Desenvolvimento (BCDs) por meio do recorte dado ao estudo da trajet?ria da experi?ncia denominada de Banco Solid?rio do Gostoso (BSG), com l?cus na Comunidade de Tabua, Munic?pio de S?o Miguel do Gostoso/RN, no per?odo que vai de 2011 at? o ano de 2015. Para tanto, definimos como objetivo geral da pesquisa analisar a articula??o entre os processos de autonomia e heteronomia na trajet?ria do Banco Solid?rio do Gostoso, com base nas dimens?es: econ?mico-pol?tica, t?cnico-institucional e sociopedag?gica dessa experi?ncia. Quanto ao m?todo de investiga??o, nos definimos pelo materialismo hist?rico-dial?tico na perspectiva quanti-qualitativa ou mista. Como t?cnicas de pesquisas, trabalhamos com a an?lise documental e bibliogr?fica, 01 (um) grupo focal, aplicado junto ?s mulheres da AMJP e 05 (cinco) entrevistas semiestruturadas, aplicadas junto ao empreendedor benefici?rio, ao gestor representante da AMJP, ao t?cnico representante da organiza??o proponente ? Associa??o de Apoio ?s Comunidades do Campo (AACC), ao t?cnico representante da Incubadora Tecnol?gica de Economia Solid?ria e Gest?o do Desenvolvimento Territorial (ITES) e ao professor do Departamento de Servi?o Social da Universidade Federal do Rio Grande do Norte (UFRN), pesquisador da tem?tica e ex-gestor da Secretaria Nacional de Economia solid?ria (SENAES). A hermen?utica-dial?tica foi o m?todo de an?lise escolhido para trabalharmos com o material apanhado durante o desenvolvimento da pesquisa. Quanto aos resultados alcan?ados, duas considera??es: 1) os limites de operacionaliza??o do banco impostos pelo mercado, o processo de institucionaliza??o dos movimentos sociais com suas limita??es legais e a prioriza??o dos processos formativos voltados ? natureza das pr?ticas empreendidas pelos BCDs no seu territ?rio e ao aperfei?oamento das ferramentas de gest?o dos BCDs nos revelam uma heteromia no curso de implanta??o e desenvolvimento do BSG, com consequ?ncias negativas ?s condi??es emancipat?rias dos que vivem naquela comunidade. 2) O nosso entendimento ? que o processo degenerativo de experi?ncias como a de Tabua se funda n?o s? na resist?ncia da ordem, dada a vincula??o da forma Estado ? forma economia, mas, tamb?m, na heterogeneidade de conforma??o da economia solid?ria no Brasil, a qual termina por fragilizar e desequilibrar a correla??o de for?as entre o capital e o trabalho. / The central objective of the present work is the autonomy and heteronomy processes of the Community Development Banks (BCDs) through the study of the trajectory of the experience called Solidary Bank of the Gostoso (BSG), with a locus in the Community of Tabua, Of S?o Miguel do Gostoso / RN, in the period from 2011 to 2015. For this purpose, we defined as a general objective of the research to analyze the articulation between the autonomy and heteronomy processes in the Banco Solid?rio do Gostoso trajectory, based on the Dimensions: economic-political, technical-institutional and sociopedagogical of this experience. As for the method of investigation, we define ourselves by historical-dialectical materialism in the quantitative-qualitative or mixed perspective. As research techniques, we worked with documentary and bibliographical analysis, 01 (one) focus group, applied to AMJP women and 05 (five) semi-structured interviews, applied to the beneficiary entrepreneur, AMJP representative manager, (AACC), the representative of the Technological Incubator of Solidarity Economy and Management of Territorial Development (ITES) and the professor of the Department of Social Service of the Federal University of Rio Grande do Norte (UFRN) , Researcher of the subject and former manager of the National Secretariat of Solidarity Economy (SENAES). Hermeneutic-dialectic was the method of analysis chosen to work with the material caught during the development of the research. Regarding the results achieved, two considerations are: 1) the bank's operationalization limits imposed by the market, the process of institutionalization of social movements with their legal limitations, and the prioritization of training processes focused on the nature of the practices undertaken by BCDs in their territory and Improvement of the management tools of the BCDs reveals a heteromy in the course of implementation and development of the BSG, with negative consequences to the emancipatory conditions of those living in that community. 2) Our understanding is that the degenerative process of experiences such as that of Tabua are based not only on the resistance of order, given the linkage of the State form to the economy form, but also, in the heterogeneity of the conformation of the solidarity economy in Brazil, the Which ends up weakening and unbalancing the correlation of forces between capital and labor.