Publication:
Bringing Microfinance Services to the Poor : Crediamigo in Brazil

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dc.contributor.authorValente, Rita
dc.contributor.authorSanchez, Susana M.
dc.contributor.authorSirtaine, Sophie
dc.date.accessioned2012-08-13T11:22:17Z
dc.date.available2012-08-13T11:22:17Z
dc.date.issued2002-08
dc.description.abstractAmong policymakers and economists, there is a widely held perception that microenterprises1 face severe financing shortages that limit their growth opportunities. Resolving the problems of access to finance as well as the high cost of financing has become the main objective of many government programs. With a view to increasing access to credit for microenterprises in the Northeast Region of Brazil, the World Bank has supported Banco do Nordeste's CrediAmigo microfinance program since 1997. This note describes how Banco do Nordeste initiated CrediAmigo as part of its restructuring strategy and how the program has expanded to become the largest microfinance provider in Brazil. To date, many lessons have emerged, both from CrediAmigo and the World Bank project that supports the program. Brazilian private banks and non-bank financial institutions offer a variety of credit products targeted to micro and small enterprises. These products typically carry very high interest rates and require collateral. Banking networks also leave many areas, particularly poor and remote regions in the Northeast and North of Brazil, underserved. About 57 percent of all municipalities in these regions have no access to a bank branch, compared to a national average of around 30 percent. Although in many other Latin American countries, microfinance institutions have been able to partially fill the gap left by larger institutions, in Brazil, only a small fraction of the potential demand for microfinance appears to be satisfied by the current supply.en
dc.identifierhttp://documents.worldbank.org/curated/en/2002/08/2512036/bringing-microfinance-services-poor-crediamigo-brazil
dc.identifier.doi10.1596/10405
dc.identifier.urihttps://hdl.handle.net/10986/10405
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesen breve; No. 7
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectMICROFINANCE INSTITUTION SERVICES
dc.subjectPOOR PEOPLE
dc.subjectPOLICYMAKERS
dc.subjectECONOMISTS
dc.subjectMICROENTERPRISE FINANCE
dc.subjectGOVERNMENT PROGRAMS
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectSMALL ENTERPRISES
dc.subjectNONGOVERNMENTAL ORGANIZATION
dc.subjectPROFITABILITY
dc.subjectLOANS BRANCHES
dc.subjectCOLLATERAL
dc.subjectCOMMITMENT
dc.subjectCOST OF FUNDS
dc.subjectCREDIT LINES
dc.subjectDEVELOPMENT BANKS
dc.subjectEMPLOYMENT
dc.subjectENTREPRENEURS
dc.subjectEXPANSION
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL SERVICES
dc.subjectFIXED ASSET
dc.subjectINCOME DISTRIBUTION
dc.subjectINFLATION
dc.subjectINTEREST INCOME
dc.subjectINTEREST PAYMENTS
dc.subjectINTEREST RATES
dc.subjectLENDERS
dc.subjectLOAN
dc.subjectLOAN LOSSES
dc.subjectLOAN OFFICERS
dc.subjectLOAN SIZE
dc.subjectMANAGEMENT INFORMATION SYSTEMS
dc.subjectMICROENTERPRISE
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE PROGRAMS
dc.subjectMUNICIPALITIES
dc.subjectNET PROFIT
dc.subjectOUTREACH
dc.subjectPRIVATE BANKS
dc.subjectPRODUCTIVITY
dc.subjectPROFITABILITY
dc.subjectRISK MANAGEMENT
dc.subjectSMALL ENTERPRISES
dc.subjectSMALL LOANS
dc.subjectSUBSIDIZED CREDIT
dc.subjectSUSTAINABILITY
dc.subjectSUSTAINABLE MICROFINANCE
dc.subjectTRANSACTION COSTS
dc.subjectWORKING CAPITAL
dc.titleBringing Microfinance Services to the Poor : Crediamigo in Brazilen
dspace.entity.typePublication
okr.date.doiregistration2025-04-29T10:07:23.534698Z
okr.doctypePublications & Research::Brief
okr.doctypePublications & Research
okr.docurlhttp://documents.worldbank.org/curated/en/2002/08/2512036/bringing-microfinance-services-poor-crediamigo-brazil
okr.globalpracticeMacroeconomics and Fiscal Management
okr.globalpracticeTransport and ICT
okr.globalpracticeFinance and Markets
okr.guid860461468769493063
okr.guid952061468769763084
okr.guid170721468770390999
okr.identifier.externaldocumentum000090341_20030916114546
okr.identifier.internaldocumentum2512036
okr.identifier.report26716
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2003/09/16/000090341_20030916114546/Rendered/PDF/267160English0En0Breve0no1070CrediAmigo.pdfen
okr.region.administrativeLatin America & Caribbean
okr.region.countryBrazil
okr.sectorFinance :: General finance sector
okr.topicFinance and Financial Sector Development::Microfinance
okr.topicFinance and Financial Sector Development::Rural Finance
okr.topicBanks and Banking Reform
okr.topicMacroeconomics and Economic Growth::Economic Adjustment and Lending
okr.topicInfrastructure Economics and Finance::Private Participation in Infrastructure
okr.unitFinance & Private Sector (LCSPF)
okr.volume1 of 1
relation.isAuthorOfPublication51ff2804-a052-5ad6-92bd-4744a74ae628
relation.isAuthorOfPublicationad8de00b-1549-5c71-af2b-cfeec5ad4206
relation.isAuthorOfPublication.latestForDiscovery51ff2804-a052-5ad6-92bd-4744a74ae628
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