文章基本信息

标题：ENSAIO SOBRE O MICROCRÉDITO E AS METODOLOGIAS DE ANÁLISE DE CRÉDITO: ASPECTOS RELACIONADOS À SUA ORIGEM, DESENVOLVIMENTO E O MODELO DE ESCORAGEM COMPORTAMENTAL – BEHAVIOURAL SCORING
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作者：Jose Odalio dos Santos ; Alexandre Franco Godoi ; Valeria Regina Bertoncelo 等
期刊名称：Revista de Administração de Roraima - RARR
印刷版ISSN：2237-8057
出版年度：2015
卷号：5
期号：1
页码：134-155
语种：Portuguese
出版社：Universidade Federal de Roraima
摘要：The propose of this essay is an overview and approach about microcredit, as a method of granting credit lines and small loans to microentrepreneurs and small groups under to the margin of the traditional financial system, because there is no collateral or assets required in traditional loans. Initially, the theoretical discussion analyzes the aspects of the first experience with microcredit, its development and expansion into other markets, especially Brazil. Also, it is analyzed a financial inclusion tool for low-income promoted by the federal government of the country, aiming to produce social equity, income generation, job families and microentrepreneurs. Extends to the test approach to an understanding of the features and products that are related to microcredit operations, including the methodologies of credit analysis, especially the behavioral scoring model called Behavioural Scoring as a tool for analysis credit to the institutions that run this type of business, the main feature of its structure is the absence of historical and real guarantees for lending.
关键词：Microcredit, Microfinance, Behavioural Scoring.