Submitted by Cristiane Oliveira (cristiane.oliveira@fgv.br) on 2011-05-25T13:22:05Z No. of bitstreams: 1 71070100691.pdf: 2593583 bytes, checksum: 2edc9e752f6477521da46c510506f31e (MD5) / Approved for entry into archive by Suzinei Teles Garcia Garcia(suzinei.garcia@fgv.br) on 2011-05-25T13:40:05Z (GMT) No. of bitstreams: 1 71070100691.pdf: 2593583 bytes, checksum: 2edc9e752f6477521da46c510506f31e (MD5) / Approved for entry into archive by Suzinei Teles Garcia Garcia(suzinei.garcia@fgv.br) on 2011-05-25T13:40:36Z (GMT) No. of bitstreams: 1 71070100691.pdf: 2593583 bytes, checksum: 2edc9e752f6477521da46c510506f31e (MD5) / Made available in DSpace on 2011-05-25T14:44:15Z (GMT). No. of bitstreams: 1 71070100691.pdf: 2593583 bytes, checksum: 2edc9e752f6477521da46c510506f31e (MD5) Previous issue date: 2011-02-23 / As investigações sobre as práticas educacionais a distância e os respectivos usos de mídias para esse fim remontam aos estudos por correspondência do século XIX. A educação a distância (EAD), mediada pelas tecnologias de informação e comunicação (TICs), é um fenômeno recente, característico da sociedade pós-industrial, que utiliza grande diversidade de recursos, processos e meios para promover a educação. Historicamente, a área de EAD apresenta escassez de estudos teóricos sobre os fundamentos de suas práticas. A sua literatura também revela ausência, quase completa, de abordagens baseadas nas tradições do pensamento crítico, como, por exemplo, a teoria da estruturação (GIDDENS, 1984) ou a pedagogia crítica (FREIRE, 1987). Tendo isso em vista, procurou-se realizar uma revisão dessas abordagens orientando-as à EAD. Essa revisão teve como objetivo contribuir com os debates sobre os fundamentos teóricos da EAD, iniciados em 1960, visando ampliar os limites de suas práticas – já que atualmente, ainda predominam mecanismos típicos da sociedade industrial, como por exemplo, a replicação em massa de conteúdos educacionais. Para atender a esse objetivo, este trabalho de tese realizou um exame das principais teorias da EAD e se concentrou em encontrar uma fundação teórica comum, expressa por alguns conceitos essenciais. Esses conceitos que emergiram das análises foram re-interpretados por meio da influência das tradições do pensamento crítico, provenientes dos domínios da filosofia, sociologia, educação e comunicação. Esse processo parcimonioso de revisão conceitual da EAD foi enriquecido pela inclusão de dois eixos adicionais de investigação: a educação de adultos e a educação financeira. Ao final dessa revisão foi constituído um quadro teórico que funcionou como um núcleo central deste estudo. Esse núcleo sofreu influências e alterações substantivas de informações provenientes do campo empírico de investigação. O campo empírico representou a oportunidade de investigar o objeto principal desta tese, orientado para compreender como um programa de EAD deve ser constituído para atuar como um instrumento de emancipação socioeconômica de microempresários pobres, usuários de serviços microfinanceiros. Para atender esse objetivo, foi realizado um estudo de caso instrumental utilizando-se procedimentos metodológicos de pesquisa qualitativa. O município de Autazes, no Estado do Amazonas, foi escolhido para ser estudado, pois sofreu um expressivo crescimento socioeconômico recente, ocorrido após a instalação de pontos de acesso a serviços financeiros, com uso de mediação tecnológica. Esse crescimento resultou em desenvolvimento econômico, associado ao agravamento de tensões sociais, dentre as quais, o endividamento financeiro da população. O município integra, também, uma rede pública de ensino na modalidade a distância, provida pelo governo do Estado, que tem sido objeto de destacados prêmios internacionais. Como resultado deste trabalho de tese, foi possível consolidar as contribuições teóricas e empíricas em um quadro teórico final, que tem como objetivo orientar a elaboração de novas teorias de EAD críticas. Da mesma forma, foi proposto um modelo inédito para a EAD crítica, voltado para a prática dessa modalidade de educação. / Investigations on distance education practices, and the respective uses of media for this application, hark back to correspondence courses of the 19th Century. Distance education (DE) mediated by information and communication technologies (ICTs) is a recent development characterized by a post-industrial society which exploits a broad array of resources, processes and media to promote education. Historically, the DE domain has been the subject of scant theoretical studies investigating the framework underlying DE practices. The literature also reveals an almost total absence of approaches based on the traditions of critical thinking, such as the theory of structuration (GIDDENS, 1984) and critical pedagogy (FREIRE, 1987). Against this background, an analytical review of these approaches was carried out, relating them to DE. The aim of this review was to contribute to the discussion on the theoretical foundations of DE, first established in 1960, in a bid to broaden the scope of DE practices. Indeed, mechanisms typical of an industrial society still predominate in DE, such as mass replication of educational content. In order to address this issue, an examination of the core theories of DE was conducted seeking to identify a common theoretical framework, underpinned by a few seminal concepts. The concepts which emerged in the analysis were reinterpreted in the context of critical traditions, drawn from the disciplines of philosophy, sociology, education and communication. This parsimonious process of conceptual review of DE was enriched by the inclusion of two additional lines of investigation: adult education and financial education. The review process culminated in the devising of a theoretical framework which served as the central core of this investigation. The framework underwent major influences and substantive changes, stemming from the empirical field of investigation. The empirical field represented an opportunity to investigate the main focus of this thesis, namely, to elucidate how DE programs should be structured in order to act as instruments of socioeconomic emancipation of business owners that are, in turn, users of microfinancial services. In order to address this theme, an instrumental case study was performed based on qualitative research methods and procedures. The municipality of Autazes in the state of Amazonas was elected as the target of this study, given its recent significant socioeconomic growth following installation of points of access to financial services enabled by ICTs. This growth led to economic development together with worsened social tensions, including increased indebtedness of the population. The municipality also boasts a distancebased public education network provided by the government of the state of Amazonas, an initiative which has garnered several recognized international awards. The theoretical and empirical contributions of this study have been consolidated into a final theoretical framework which may serve as a basis for devising new critical theories in DE. Finally, a new model of critical DE was proposed, aimed specifically at the practice of this mode of education.

Magister Commercii - MCom / The minithesis argues that microfinance institutions help their clients by offering saving services, through which the clients will be able to get 'chunks of money' on a regular basis . These 'chunks of money' enable them to protect against emergency risks for it acts as a crisis-coping mechanism by building up the asset base in its physical, financial, human, and social sense. The accumulation of an asset base is not only critical in fighting risks ahead of time, but also enables poor clients to protect against losses afterwards . Thus the saving services provided by these institutions are essential in improving their clients' capacity to build up and manage their assets.

This study has assessed the self-help group approach and its contribution to women empowerment in the Debremarkos district of the Amhara region of Ethiopia. SHG is an approach that strives to empower poor women through organising them in groups to solve their problem through mutual help. This study employed a mixed method using both the qualitative and quantitative techniques. The findings suggest that the SHG approach has brought social and economic empowerment for the poor women in Debremarkos district who participated in SHG. The findings suggest that the selfhelp approach is important, particularly by creating access for the poor to financial resources with low interest rates, which is a key for the success of the businesses of the poor. The SHG approach has also significant contribution for social empowerment by building the confidence of women and facilitating their participation in their community. / Development Studies / M.A. (Development Studies)

Made available in DSpace on 2016-08-03T12:29:49Z (GMT). No. of bitstreams: 1 MGiannotti.pdf: 2885696 bytes, checksum: 490a137a6341dec56d689e49ac25bed5 (MD5) Previous issue date: 2013-05-02 / On the one hand, the world of the XXI century with tools that enable increasingly being connected and dependent on communication technologies. The place where the internet is the main instrument for people to relate, interacts, consume, have fun and be informed. On the other side, almost an island from this technological trend, a space in which oral communication, trust, the value of the word, know the neighborhood and community are what prevails. It is more a phenomenon due to the growth of Class C in Brazil, after the launch of the Real Plan, by Fernando Henrique Cardoso government of former President Itamar Franco, and the implementation of social measures in subsequent years in the Luiz Inácio Lula da Silva government. The segment that represents 54% of the population and companies is a new frontier of business. Through literature search and document analysis for content analysis, this single case study will investigate how Banco Itaú communicates with these stakeholders to provide microcredit in the outskirts of São Paulo. In a world where we think the faster sensory and information technology will be in the future the oral communication can lead to important knowledge when we want to communicate with the Base of the Pyramid. / Por um lado, o mundo do Século XXI com ferramentas que possibilitam cada vez mais estarmos conectados e dependentes das tecnologias de comunicação, em que a internet prevalece como meio principal para as pessoas se relacionarem, interagirem, consumirem, se divertirem e se informarem. Do outro lado, quase que uma ilha à parte dessa tendência tecnológica, um espaço em que a comunicação oral, a confiança, o valor da palavra, o conhecer o vizinho do bairro e a comunidade são o que prevalece. Trata-se de mais um fenômeno decorrente do crescimento da Classe C no Brasil, posterior ao lançamento do Plano Real, por Fernando Henrique Cardoso no governo do ex-presidente Itamar Franco, e da implantação de medidas sociais nos anos seguintes, durante o governo de Luiz Inácio Lula da Silva. O segmento que representa 54% da população brasileira e desperta a atenção das empresas como uma nova frente de geração de riquezas e negócios. Por meio de pesquisa bibliográfica e análise documental para análise de conteúdo, este estudo de caso único investigará como o Banco Itaú se comunica com esse público para oferecer o microcrédito na periferia da cidade de São Paulo. Num mundo em que se pensa quanto mais rápidas e sensoriais serão as tecnologias de informação no futuro, o bom e velho bate-papo pode levar a conhecimentos importantes quando queremos nos comunicar com as camadas populares da população.

Submitted by Rômulo Aguiar (romulo.aguiar@ucsal.br) on 2018-05-04T19:45:41Z No. of bitstreams: 1 TESEJACQUELINEJESUS.pdf: 3253726 bytes, checksum: 11d79bfe25a5931030fe2360ef0a7c52 (MD5) / Approved for entry into archive by Rosemary Magalhães (rosemary.magalhaes@ucsal.br) on 2018-05-04T19:56:14Z (GMT) No. of bitstreams: 1 TESEJACQUELINEJESUS.pdf: 3253726 bytes, checksum: 11d79bfe25a5931030fe2360ef0a7c52 (MD5) / Made available in DSpace on 2018-05-04T19:56:14Z (GMT). No. of bitstreams: 1 TESEJACQUELINEJESUS.pdf: 3253726 bytes, checksum: 11d79bfe25a5931030fe2360ef0a7c52 (MD5) Previous issue date: 2018-02-05 / 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.

The growth of micro-credit along with the excellent conditions to carry out microfinance activity in the economy and financial system of the Republic of Peru are pushing for Microfinance Institutions (IMF) increased competition with banks in this segment business. Like in commercial banks, in microfinance questions such as: is this customer profitable?, What is the credit limit that I must accept to his/her application?, What interest rate should I charge to him/ her?, How I can reduce the risk default?, etc., are matters to be assessed properly. We propose a method that could facilitate improvement in customer qualification between failed and not failed. To this end, we propose a methodology that analyzes credit risk in the provision of microcredit through the design of a credit scoring model that we apply to a Development Agency for Small and Micro Enterprise (EDPYME), which is an IMF under the supervision by the Banking and Insurance Superintendency (SBS). / El crecimiento del número de microcréditos junto con las excelentes condiciones para llevar a cabo la actividad microfinanciera en la economía y sistema financiero de la República de Perú están impulsando a las instituciones de microfinanzas (IMF) a una mayor competencia con las entidades bancarias por este segmento de negocio. Al igual que en la banca comercial, en microfinanzas preguntas tales como: ¿conviene este cliente?, ¿cuál es el límite de crédito que debo aceptar a su solicitud?, ¿qué tasa de interés debo cobrar?, ¿cómo puedo reducir el riesgo de impago?, etc., son cuestiones que deben valorarse de forma adecuada. Este trabajo plantea un método que podría facilitar una mejora en la calificación de los clientes fallidos y no fallidos. Para ello, se propone una metodología que analiza el riesgo de crédito en la concesión de microcréditos mediante el diseño de un modelo de credit scoring aplicado a una entidad de desarrollo de la pequeña y micro empresa (EDPYME), IMF sometida a supervisión por la Superintendencia en Bancay Seguros (SBS).

Microfinance has generally been acclaimed as one way to reduce poverty through the provision of financial services targeting the previously “unbankable” poor. Persons with Disabilities (PWDs) are amongst society’s most excluded groups financially and the absence of PWDs within mainstream Microfinance urges Disabled People’s Organisations (DPOs) to directly engage in Microfinance. The practices by such alternative actors are suggested to be generally rejected because they risk being inefficient and failing. The objective of this study is to analyse examples of how DPOs in Nepal practice Microfinance and whether they generally follow recommended best practices. The correlation with what is perceived as best practices provide evidence to suggest whether the DPOs’ practices should be generally rejected or motivated as plausible and justified accordingly. To accomplish this, a well-justified analytical framework of recommended best practices for DPOs engaged in Microfinance is created, and field research is undertaken in Nepal, April-May 2014. It can be concluded that recommended best practices are followed at a general level; however, the extent varies within and between the analysed practices. The results provide sufficient evidence to suggest that the practices are plausible and justified accordingly, and should not be generally rejected.

Le travail explore et démontre le pourquoi de la persistance de la pauvreté des femmes en Afrique post-conflit. Le cas d'étude est celui des Femmes rwandaises chefs de ménages dans leurs tentatives d'accès au microcrédit, considéré jusqu'ici comme outil de réduction de la pauvreté. Les conséquences du génocide de 1994 au Rwanda a contraint beaucoup de femmes et de filles à se prendre en charge socialement et économiquement. Cependant dans une société toujours patrilinéaire, les obstacles sont nombreux. Malgré que le microcrédit existe, il ne dépasse pas non plus les inégalités de genre enracinées dans la culture rwandaise. / Doctorat en Sciences politiques et sociales / info:eu-repo/semantics/nonPublished

Die Beiträge der vorliegenden Dissertationsschrift untersuchen zum einen, inwieweit Wetterindexversicherungen einen Beitrag zur Stabilisierung von wetterbedingten Einkommensschwankungen in der Landwirtschaft leisten können. In der Landwirtschaft ist trotz bedeutender wetterbedingter Einkommensschwankungen bisher nur ein sehr verhaltener Einsatz von Indexversicherungen zu beobachten. Allerdings gibt es bislang kaum Studien, die Möglichkeiten zur Reduzierung des mit dem Einsatz von Wetterindexversicherungen verbundenen Basisrisikos untersuchen. Zum anderen wird untersucht, inwieweit Wetterrisiken das Rückzahlungsverhalten landwirtschaftlicher Mikrokreditnehmer beeinflussen. Das Risiko bei der Kreditvergabe an landwirtschaftliche Klein-Betriebe in Entwicklungs- und Schwellenländern gilt aus Bankensicht aufgrund der vergleichsweise hohen Einkommensschwankungen in der landwirtschaftlichen Produktion als besonders hoch. In der Literatur wird das wetterbedingte Einkommensrisiko als wesentlicher Grund für das vergleichsweise hohe Kreditrisiko von landwirtschaftlichen Mikrokrediten angeführt. Allerdings wurde dies bislang noch nicht empirisch verifiziert. Die Dissertationsschrift widmet sich dem Thema in vier Beiträgen, die unterschiedliche Aspekte der übergeordneten Problematik behandeln.

本研究運用線性迴歸模型來預測微型金融對於貧窮、高中就讀率等等社會問題所帶來的效果，其中微型金融包括了微型信貸、微型儲蓄、微型保險以及微型金融機構所提供的匯款服務。本研究的樣本涵蓋了從2011年到2014年拉丁美洲及加勒比地區的20個國家。 在把樣本細分成可以比較的不同組別，並進行迴歸分析之後，我們發現微型金融對於貧窮人數有負向的顯著影響，對於高中就讀率有正向的顯著影響，而對於其他如醫療、創業、家庭支出與人均收入的影響並不顯著。 因應在拉丁美洲和加勒比地區不斷增加的微型金融機構，本研究建議未來可以利用更複雜的統計模型像是工具變量、隨機對照實驗、準實驗問卷來估計微型金融與影響之間是否有因果關係，對於NMP來說，他們應該鼓勵微型金融的發展以及接受適度的批判來確保透明且可靠的研究來作為政策制定的參考。 / The following research uses a panel linear model regression to detect possible effects Microfinance and its iterations (namely microcredit, microsavings, microinsurance, and remittance services offered by microfinancial institutions) have on distinct social outcomes such as poverty and secondary school enrollment rates. The study sample consists of 20 countries in the Latin American and Caribbean region observed during a period of 4 years (2011-2014). After subdividing the sample into comparable groups the results yielded statistically significant negative effects on poverty headcount, and statistically significant positive effects on secondary school enrollment rates across the subgroups. The results from other social welfare dimensions such as health, business creation, household consumption, and income per capita were insignificant. Due to the increasing presence of Microfinancial institutions in Latin America and the Caribbean, there is sufficient reason to encourage further research to be done in which more experienced researchers can use more statistically complex models (such as IV, RCTs, quasi-experimental surveys) to try to determine whether or not there is a causal relationship between microfinance and the effects herein described. For policymakers and funders of NMPs, the takeaway is that they should encourage both advocates and critics to present transparent and replicable studies to back their claims.