Microfinanzas verdes: el caso del Sistema Cresol en la región Sur de Brasil

Climate change which until recently seemed a luxury for the microfinance sector, now appears to be crucial for the future of the sector. Due to their low adaptive capacity, the millions of MF clients worldwide happen to be the most vulnerable to a changing climate. Adapting previous analysis conducted in Nepal and Bangladesh by Agrawala and Maëlis (2010) to the Brazilian context, in this inductive qualitative study we aim to assess potential synergies between MF and CC actions and what strategies can be harnessed to better respond to CC vulnerabilities at client/MF level. To do so, we investigated the case of the second largest rural microcredit programme in Brazil, Sistema Cresol de Cooperativas de Crédito Rural com Interação Solidária. Albeit important overlaps between Cresol's product envelope and CC strategies exist, there is still room to realise synergies to both mitigate a new potential source of risk to Cresol's portfolio and to increase clients' adaptive capacity

O Programa Minha Casa Minha Vida e as Tecnologias de Microcrédito: Contribuições para uma Agenda de Pesquisa

The improvement and financial sustainability of the Minha Casa Minha Vida program are challenging issues. In this fashion, we analyze the potential sinergy between housing public policies and Minha Casa Minha Vida in particular and microfinance credit innovations. The analysis focused Entidades-modality inside PMCMV and was based on document´s research, primary data collection and interviews with bureaucrats and beneficiaries. aiming at examining the potential proximity to microcredit. The results pointed to obstacles that have to be circumvent in order to materialize synergies. In addition, there is room for a new research agend involving microfinance and housing public policies

Efeitos de mudanças regulatórias no microcrédito no desempenho nanceiro e social de cooperativas de crédito brasileiras

This study investigates whether the performance of credit unions that offer microcredit in Brazil was affected by the advent of Crescer – the National Microcredit Program. This research fills a gap in the literature because few papers investigate credit unions that work with microcredit and also the effects of governmental interventions related to microcredit operations. Studies of this type may help evaluate the impact of governmental interventions on the performance of the institutions that are directly or indirectly affected. Our results add to the debate about microcredit and about the inclusion of credit unions in this market. In particular, our evidence may influence the design of public policies and the strategies of microfinance institutions, which typically combine economic and social objectives. Based on the literature, we calculate fifteen indicators for each credit union, related to their financial and social performance. The inferences are based on the implementation of the difference in differences estimator using the advent of Crescer, in 2011, as the exogenous event of interest and including in the control group the credit unions that did not provide microcredit loans throughout the sample period. This research presents evidence that the volume of clients and microcredit operations performed by Brazilian credit unions was positively affected by regulatory changes that took place in 2011, consistently with the objectives of the governmental intervention. The evidence also suggests that the governmental intervention did not harm the financial sustainability of the credit unions. The main changes are: a substantial reduction of interest rates and transaction costs, the implementation of subsidies to participants in the program, and a push for public banks to enhance their supply of productive and oriented microcredit.Este estudo investiga se e como o desempenho nanceiro e social das cooperativas que ofertam microcrédito no Brasil foi afetado pelo advento do Crescer – Programa Nacional de Microcrédito. A pesquisa preenche lacuna na literatura da área, uma vez que há poucos estudos sobre cooperativas que trabalham com microcrédito e também sobre os efeitos de intervenções governamentais na área de microcrédito. Pesquisas como esta podem auxiliar na avaliação do impacto de intervenções governamentais sobre o desempenho das instituições direta ou indiretamente afetadas. Os resultados do estudo acrescentam novos elementos ao debate sobre o mercado do microcrédito e sobre a inserção das cooperativas de crédito nesse mercado. Em particular, as evidências aqui discutidas oferecem subsídio para o desenho de políticas públicas e para a de nição de estratégias de instituições de micro nanças, as quais tipicamente combinam objetivos econômicos e sociais. Com base na literatura, foram calculados 15 indicadores para cada cooperativa, relacionados ao seu desempenho nanceiro e social. As inferências baseiam-se na implementação do estimador de diferença em diferenças utilizando o advento do Crescer, em 2011, como o evento exógeno de interesse, e incluindo, no grupo de controle, as cooperativas de crédito que não forneceram empréstimos de microcrédito ao longo do período amostral. A pesquisa apresenta evidências de que o volume de clientes e de operações de microcrédito realizadas pelas cooperativas de crédito brasileiras foi positivamente afetado por mudanças regulatórias ocorridas em 2011, de forma compatível com os objetivos da intervenção governamental. As evidências também sugerem que a intervenção governamental enfocada não comprometeu a sustentabilidade nanceira das cooperativas. As mudanças enfocadas são: redução substancial das taxas de juros e custos de transação, implementação de subsídios aos participantes do programa e impulso para bancos públicos para aumentar sua oferta de microcrédito produtivo e orientado

Basic Income with Digital Community Currency: Digital Platforms for Public Policies Implementation During Pandemic Crisis

This short paper presents a research-in-progress that discusses how basic income policies can be implemented using digital currency platforms and the implications of this approach in the context of the pandemic. We analyze the case of Banco Mumbuca, a non-profit organization that uses a community currency on a digital payment platform, E-Dinheiro, to deliver the basic income program of the Brazilian town of Maricá. This city program became one of the largest in the world during the COVID-19 pandemic, considering both the amount of money transferred to municipal beneficiaries and the adoption rate of a community currency by citizens and the local commerce. We adopt the Design Science Research (DSR) approach to analyze the case, considering this implementation as two entangled sub-artifacts: the public policy and the digital community currency. These sub-artifacts will be analyzed from the perspective of the problems they intend to solve, the particular aspects of the designed solution, the evaluation of the solution by actors involved, and the discussion of the achieved outcomes. This study intends to contribute to the basic income discussion that emerged as a solution for economic recovery from the COVID-19, the strategies for scaling up community currencies, and the DSR as a strategy for producing impactful research in the ICT4D field

Microcrédito e impacto sobre a geração de renda: o caso do Banco Real

Este trabalho tem como objetivo avaliar o impacto de um programa de microcrédito produtivo orientado de uma instituição de microcrédito, ligada a um banco comercial, a partir de uma amostra de 20.628 clientes. Os casos de sucesso de programas de microcrédito estudados na literatura apontam a existência de características específicas, tais como: (a) o uso de grupo solidário, também chamando de aval solidário; (b) forte participação feminina; (c) foco em regiões pobres, e (d) presença de um agente de crédito. Identificou-se que a variável gênero feminino está associada ao aumento de renda do indivíduo participante do programa. O valor médio das vendas das mulheres cresceu cerca de 10% a cada tomada de crédito

Comunidade e reconhecimento nas relações econômicas

Poverty reduction requires social efforts in several fields, such as those related to public policies, income generation and mobilization of social resources. Building diagnostics and interventions aiming at poverty reduction also requires the collaboration of different knowledge on society, particularly on public administration, social psychology and finances. This research aims at investigating how the community contributes in its social, organizational and economical aspects for making feasible and impacting productive microcredit programs, with particular attention to consequences related to poverty reduction and social inclusion. Discussion groups, closed and semi-structured interviews were conducted with women living in a slum in Sao Paulo. Results indicate that, in order to use a productive microcredit, it is possible to consider the social capital as guarantee, but the ability to use it involves complex mediations between capital, relational fragility and struggle for recognition.A redução da pobreza exige esforços sociais em vários campos, e entre eles estão aqueles que se referem a políticas públicas, geração de renda e mobilização de (recursos) sociais. A construção de diagnósticos e intervenções para a redução da pobreza exige, também, a colaboração de diferentes saberes sobre a sociedade, em especial gestão pública, psicologia social e finanças. A pesquisa aqui apresentada tem como objetivo investigar a contribuição da comunidade em seus aspetos sociais, organizativos e econômicos, para viabilização e impacto de programas de microcrédito produtivo, com atenção específica aos impactos relativos a redução da pobreza e inclusão social. Foram realizados grupos de discussão, entrevistas fechadas e entrevistas semidirigidas a mulheres moradoras de uma favela na cidade de São Paulo. Os resultados indicam que, para utilizar o microcrédito produtivo, é possível considerar o capital social como garantia, mas a capacidade de sua utilização pelas pessoas envolve complexas mediações entre o capital, a fragilidade relacional e a luta por reconhecimento

Debris Flows Occurrence in the Semiarid Central Andes under Climate Change Scenario

This review paper compiles research related to debris flows and hyperconcentrated flows in the central Andes (30°–33° S), updating the knowledge of these phenomena in this semiarid region. Continuous records of these phenomena are lacking through the Andean region; intense precipitations, sudden snowmelt, increased temperatures on high relief mountain areas, and permafrost degradation are related to violent flow discharges. Documented catastrophic consequences related to these geoclimatic events highlight the need to improve their understanding in order to prepare the Andean communities for this latent danger. An amplified impact is expected not only due to environmental changes potentially linked to climate change but also due to rising exposure linked to urban expansion toward more susceptible or unstable areas. This review highlights as well the need for the implementation of preventive measures to reduce the negative impacts and vulnerability of the Andean communities in the global warming context.Fil: Moreiras, Stella Maris. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Sepúlveda, Sergio A.. Universidad de Chile; Chile. Universidad de O’higgins; ChileFil: Correas Gonzalez, Mariana. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Lauro, Carolina. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Vergara Dal Pont, Iván Pablo. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Patagonia Norte. Instituto Andino Patagónico de Tecnologías Biológicas y Geoambientales. Universidad Nacional del Comahue. Instituto Andino Patagónico de Tecnologías Biológicas y Geoambientales; ArgentinaFil: Jeanneret, Pilar. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Junquera Torrado, Sebastian. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Cuevas, Jaime G.. Universidad de La Serena; ChileFil: Maldonado, Antonio. Universidad de La Serena; ChileFil: Antinao, José L.. Indiana University; Estados UnidosFil: Lara, Marisol. Universidad de Chile; Chil

Landslides associated with permafrost degradation: past and present geomorphological evidences in the Central Andes (31º-34ºs)

Este trabajo presenta evidencias de la incidencia del ascenso de la temperatura en la degradación o fusión del permafrost y su asociación con descargas de flujos de detritos en la región andina (30º-32ºS). Este resultado permite enfatizar la relación entre los colapsos de laderas y la temperatura permitiendo vincular la inestabilidad de las laderas en los Andes Centrales a condiciones ambientales en el pasado. Numerosos deslizamientos han sido vinculados a periodos interglaciares con escasos registros paleoclimáticos locales. Estos resultados además ponen en evidencia la necesidad de abordar este tipo de estudios a fin de reducir la vulnerabilidad de las comunidades andinas y atender medidas preventivas que disminuyan el evidente riesgo asociado en el contexto del calentamiento global.This paper reveals evidences of permafrost degradation or fusion due to the temperature increase and its association with discharges of violent debris flow in the Central Andes region (30º-32ºS). This result emphasizes the relationship between slope collapses and temperature allowing to link the slopes instability in the Central Andes to paleo-environmental conditions. Several landslides have been linked to interglacial periods with few local paleoclimatic records. These results also highlight the need to undertake this type of studies in order to reduce the vulnerability of the Andean communities and implement preventive measures to reduce the evident associated risk in the context of global warming.Fil: Moreiras, Stella Maris. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Jeanneret, Pilar. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Lauro, Carolina. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Vergara Dal Pont, Iván Pablo. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Patagonia Norte. Instituto Andino Patagónico de Tecnologías Biológicas y Geoambientales. Universidad Nacional del Comahue. Instituto Andino Patagónico de Tecnologías Biológicas y Geoambientales; ArgentinaFil: Correas Gonzalez, Mariana. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; ArgentinaFil: Junquera Torrado, Sebastian. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Provincia de Mendoza. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales. Universidad Nacional de Cuyo. Instituto Argentino de Nivología, Glaciología y Ciencias Ambientales; Argentin

In-Depth Analysis of Exoproteomes from Marine Bacteria by Shotgun Liquid Chromatography-Tandem Mass Spectrometry: the Ruegeria pomeroyi DSS-3 Case-Study

Microorganisms secrete into their extracellular environment numerous compounds that are required for their survival. Many of these compounds could be of great interest for biotechnology applications and their genes used in synthetic biology design. The secreted proteins and the components of the translocation systems themselves can be scrutinized in-depth by the most recent proteomic tools. While the secretomes of pathogens are well-documented, those of non-pathogens remain largely to be established. Here, we present the analysis of the exoproteome from the marine bacterium Ruegeria pomeroyi DSS-3 grown in standard laboratory conditions. We used a shotgun approach consisting of trypsin digestion of the exoproteome, and identification of the resulting peptides by liquid chromatography coupled to tandem mass spectrometry. Three different proteins that have domains homologous to those observed in RTX toxins were uncovered and were semi-quantified as the most abundantly secreted proteins. One of these proteins clearly stands out from the catalogue, representing over half of the total exoproteome. We also listed many soluble proteins related to ABC and TRAP transporters implied in the uptake of nutrients. The Ruegeria pomeroyi DSS-3 case-study illustrates the power of the shotgun nano-LC-MS/MS strategy to decipher the exoproteome from marine bacteria and to contribute to environmental proteomics