Bancos comunitários como adequação sociotécnica financeira: uma análise crítica ante o potencial de autossustentabilidade

Abstract

Community Development Banks (BCD) have become an important instrument for the expansion of Solidarity Finance through microcredit, largely due to the public policies that have been offered since the creation of the National Secretariat for Solidarity Economy. With the rise of ultra-liberal governments and detached from a progressive perspective after the 2016 coup, support ceased, causing the failure of these instruments characterized as Sociotechnical Adequacy (AST), originating from the production of science from social movements. of solidarity finance, which is a way of producing knowledge, therefore aims at the social appropriation of knowledge through sociotechnical inclusion, defended by the CTS field of studies. Therefore, the research analyzed the potential for financial self-sustainability of the BCD under the hypotheses of possible fundraising directly from potential investors, in order to provide and redeem the productive function of money. For this purpose, there are legal instruments such as D11646 and the PLP 93 /2007 which may enable direct fundraising by BCD. To verify this hypothesis, the study was carried out through field research with the application of questionnaires to two distinct groups: (i) BCD management team and (ii) potential joint financial investors in BCD. After data collection was carried out, they were initially treated by descriptive statistics and later by cross-analysis, through which partnerships consistently revealed the potential for capturing the target audience of the BCDs researched. However, the absence of management instruments undermines the reliability of investment returns, with Economic Science researchers playing an important role in the construction of these resources. Such conditionality results indicate, in addition to the possibility of social impact savings, the need for a repositioning regarding the management of the BCD, using internal management indicators, to maintain selfsustainability without losing the basic principle of the economy solidarity, which is a specific way of humanizing the economy. From the perspective of the CTS field, it was noted that Community Banks, as an AST, are instruments that provide a way to do science in an engaged way, with a view to social movements of solidarity finance, as well as promoting the appropriation social knowledge.