Bancos Comunitários de Desenvolvimento como estratégia de desenvolvimento territorial, microcrédito e autoconstrução. Caso : Banco Bem, Vitória-ES

Abstract

Since 1998 it has increased the number of Community Development Banks, there are currently more than 100 operating in the country. They are a recent phenomenon and there are few studies on the cumulative impacts of this initiative in its service territory. In addition is relevant to quote the coordination and community mobilization, promotion of social currency, cultural activities, environment, health and education. These banks work with credit services, most of the time with productive credit lines and consumption, some banks proffer housing credit for renovation, expansion and even production of new housing with the self technical advice. This dissertation will examine in particular the relationship of housing production through the housing microfinance promoting by Banco Bem, Vitória -ES, and the development of its territory, with the guiding hypothesis that the Community Development Banks, in particular the Banco Bem, promote Territorial Development with its housing microcredit and free technical advice to the self, allowing housing improvements, fostering trade in materials and services in the chain of housing production and through community organization and mobilization due to the Local Development Forum. Thus is an initiative more suited to the reality of substandard clusters and potential guideline / model for Public Policy Housing in these territories. In this context, the research aims to examine the relationship between the Housing Credit via Community Development Bank, housing production, technical advice for self, Territorial Development and its dialogues with the Public Policy.