O microcrédito como instrumento de inovação social : o caso da instituição comunitária de crédito PORTOSOL

Abstract

The objective of this study is to evaluate the process of generation of social innovation and results generated in the productive life of beneficiaries and walked microcredit . The studies were carried out in the Community Credit Institution Partnership Porto Alegre (PORTOSOL) . The literature points to social innovation as new ways of doing things , with your goal to change . Looking for innovation not only as a product or service , but as a process comprised of several stages . To achieve the objectives of this study , exploratory qualitative research was conducted through interviews with beneficiaries and managers of credit authority , and direct observation . This study recognized the innovation in microfinance helping to generate results in the lives of beneficiaries , such as : Empowerment , financial results and significant improvement in quality of life . Regarding process , it was observed , among other things, the generated result is a new product or service. However , a new structure will need to be created or modified to meet the demand generated . This new structure acquires dynamic character , susceptible to constant modifications to suit their purposes .