Financial inclusion and rural development: the importance of territorial organizations

• Main Authors: Ademir Antonio Cazella, Fábio Luiz Búrigo
• Format: Article
• Language: Portuguese
• Published: Universidade Federal de Santa Catarina 2009-10-01
• Series: Política & Sociedade
• Online Access: https://periodicos.ufsc.br/index.php/politica/article/view/11627

In this article we analyze conditions for the construction of systems for financing processes of sustainable land development in rural áreas. In particular, we look at possibilities and dilemmas surrounding the financial inclusion of impoverished social segments and for increasing the participation of territorial organizations in the management of these systems. Based on these two issues, our work looks at empirical experiences that demonstrate progress made in this direction: the Crediamigo Program of the Banco do Nordeste and the cooperativism of the “solidarity” credit form that has sprung up in Brazil’s southern region. We conclude that both cases present innovative institutional arrangements that have generated results that have had a relevant impact on the volume of loans, the area that they reach out to and cover, the percentage of the population attended and systems of governing. Nonetheless, both must perfect their forms of action if they are to attend to intersectorial demands thatfocus on the development of the lands within which they are at work. Keywords: sustainable land development, financial inclusion, governing systems.