Política Territorial e Pobreza: o microcrédito orientado no Território Oeste Catarinense

Abstract

There is a recent discussion that the academy, the governmental power and the civil society have been participating in, trying to differentiate themselves from the traditional paradigm of public policies aimed at the so-called rural development. And credit is one of its structuring elements. In this article, we seek to question the main factors that have limited the development of Oriented Microcredit in the Western Territory of Santa Catarina/SC - Brazil, as a policy to serve the most vulnerable segments of family agriculture in rural areas. The study is characterized as a documentary, a qualitative one, since it favours the experienced observation and the analysis of the main documents of the territorial policy. The work was structured in four sessions, which are: Social Policy and rural poverty in Brazil; the Territorial Policy and its implementation in the Western Territory of Santa Catarina; the Oriented Microcredit Policy; and finally, the final considerations. The data point to high interest rates contributed to limiting the access by the target public; low profitability of the operation for the financial institution; limited disclosure; and that there is a lack of integration of the Plane of Microcredit with actions from other related policies.