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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

A rela??o entre desempenho e a forma legal das institui??es de microcr?dito

Costa, Ruan Rodrigo Ara?jo da 09 March 2015 (has links)
Submitted by Automa??o e Estat?stica (sst@bczm.ufrn.br) on 2016-01-26T17:50:08Z No. of bitstreams: 1 RuanRodrigoAraujoDaCosta_DISSERT.pdf: 620043 bytes, checksum: fc236cdf82238c2509a76a546473ac8d (MD5) / Approved for entry into archive by Arlan Eloi Leite Silva (eloihistoriador@yahoo.com.br) on 2016-01-28T18:13:58Z (GMT) No. of bitstreams: 1 RuanRodrigoAraujoDaCosta_DISSERT.pdf: 620043 bytes, checksum: fc236cdf82238c2509a76a546473ac8d (MD5) / Made available in DSpace on 2016-01-28T18:13:58Z (GMT). No. of bitstreams: 1 RuanRodrigoAraujoDaCosta_DISSERT.pdf: 620043 bytes, checksum: fc236cdf82238c2509a76a546473ac8d (MD5) Previous issue date: 2015-03-09 / O trabalho investigou a rela??o entre o desempenho e as formas legais adotadas por institui??es de microcr?dito (IMC?s). As IMC?s estudadas adotaram forma legal de banco, organiza??o n?o governamental, cooperativa, institui??o financeira n?o banc?ria ou banco rural. Os dados utilizados compreendem seis anos, de 2007 a 2012, com periodicidade anual. Foi empregado o modelo de regress?o em painel e vari?veis dummy representando as formas legais. Formaram a amostra 243 IMC?s de cinquenta pa?ses, origin?rios de todos os continentes do mundo, exceto a Am?rica do Norte. No trabalho, foi observado que IMC?s maiores conseguem lucros maiores, retornos maiores e ?ndices de autossufici?ncia operacional maiores, indicando que o crescimento pode levar ? consolida??o das IMC?s e que as IMC?s menores poderiam buscar fus?es os assimula??es com outras IMC?s para se consolidarem. Tamb?m foi observado que as cooperativas, as institui??es financeiras n?o banc?rias e os bancos rurais conseguem atender mais clientes, causando maior impacto na sociedade, e obter maiores retornos, indicando que as formas legais mais adequadas ao mercado de microfinan?as aparentemente s?o as cooperativas, institui??es financeiras n?o banc?rias e bancos rurais pois os resultados indicam que as IMC?s que adotam tais formas legais equilibram a orienta??o para o social e a busca por por maiores lucros. / This work test the relationship of performance and legal form of microfinance institutions (MFI), in our work MFI can be banks, non-governmental organizations (NGO), cooperatives, non-banks financial institutions (NBFI) or rural banks. We use linear regression model, panel data and variables dummy for the legal forms. Our samples are 243 MFI from all continents, except North America, in the period from 2007 to 2012. We found that bigger MFI generates higher profit, higher returns and higher self-sufficiency rates, so the growing can be a way for consolidation of MFI. For smaller MFI a way can be assimilation or merging with other MFI. Cooperatives, non-bank financial institutions and rural banks can serve more customers, causing greater impact on society, and get higher returns. This suggests the most appropriate legal form for microfinance market can be cooperatives, non-banks financial institutions or rural banks balancing social orientation and profit orientation.

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