Autazes - Episode 4: Microcredit, social inclusion and sustainability
Uploaded by VideosMontreal on 06.03.2011
Transcript:
Autazes - Financial Access and Social Development
Episode 4 Microcredit, social inclusion and sustainability
I have something for you to do
It has to fit a tube like this one
it can be done
It will fit very tightly
I'm from the countryside
Where from?
From Mutuca river, near the village of Novo Ceu
I manufacture aluminum boats
Leisure boats,
transportation boats,
freight and passengers boats
I also make small motor boats
Those boats that you see crossing the river
I made all of them
Are you the only one that produce boats in this region?
yes, I'm the only one in the region
I even build boats for Manaus, the state capital
This floating factory has 1 year and 8 months
That time I didn't have enough money
So I've got a loan from the bank
to buy the commercial site
and then I built the factory with my own resources
Today I have 13 employees
The access to credit generates a positive social impact
however, the low income population faces a lot of barriers to access credit
Until now
no one from our mototaxi association
has received a loan to buy a motorcycle
The bank only lends against warranties
but we don't have them
Native people Community (23 km from Autazes)
What could be done
to improve the life quality
in the community ?
To have access to loans
It is complicated
because of the documentation
the bank has to check the deed of the estate
in order to grant a loan
If the land is in your name with no overdue installments, you are fine
But, for us, native people, it is different
Indigenous lands can't be formally owned
and this is our main problem
The bank says it is impossible to grant us a loan
The Family Farmers National Incentive Plan
is a specific credit line
to small family farmers
the ones that cultivate the land
by themselves
and don't have employees
But not everyone has access
to these credit lines
In fact we are excluded
The majority of the farmers are excluded from credit lines
even those created for them
There is plenty of money for the primary sector
but we need to change the mindset
this credit should be treated as an inclusive credit
We need to create solutions
that make people to produce
and no longer be the poor ones
who survive with social assistance programs
There are initiatives to provide access to credit, but they need to be improved
AFEAM is an organization of the Amazonas state
that fosters the oriented productive microcredit
but it operates on a limited scale and in a traditional way
We need to create financial education tools for the people
As long as people need financial services
the banks will deliver these services
but they won't provide financial education
So it has to come from other agents, rather than financial ones
Autazes is very organized city
It has several unions, cooperatives, ...
I think that these organizations could help with financial education
Our idea is to bring a credit cooperative to the county
to support small businesses
A developed region is one where people have opportunities
Opportunity to live a better life
by starting his own business or working as an employee
The most important thing is to have opportunity
Microcredit is above all a social credit
The main goal of the financial institution
shouldn't be financial profit
but mainly "social profit". It's an inclusive credit
It should include the people in the process
Social inclusion and local development ... but with sustainability
We can't attain sustainability only by involving local agents
We need government support
And the involvement of educational organizations
to develop skills and resources to create sustainable businesses.
So, it requires government measures
and support from SEBRAE (Brazilian Small Businesses Support Agency)
to include ideas of sustainability and biodiversity in their training programs.
Only with these measures in place it will be possible to have
a sustainable productive chain respectful of the biodiversity
Realization
Support
Featuring
English subtitles Emil Lewinger and Claudia Gama
Episode 4 Microcredit, social inclusion and sustainability
I have something for you to do
It has to fit a tube like this one
it can be done
It will fit very tightly
I'm from the countryside
Where from?
From Mutuca river, near the village of Novo Ceu
I manufacture aluminum boats
Leisure boats,
transportation boats,
freight and passengers boats
I also make small motor boats
Those boats that you see crossing the river
I made all of them
Are you the only one that produce boats in this region?
yes, I'm the only one in the region
I even build boats for Manaus, the state capital
This floating factory has 1 year and 8 months
That time I didn't have enough money
So I've got a loan from the bank
to buy the commercial site
and then I built the factory with my own resources
Today I have 13 employees
The access to credit generates a positive social impact
however, the low income population faces a lot of barriers to access credit
Until now
no one from our mototaxi association
has received a loan to buy a motorcycle
The bank only lends against warranties
but we don't have them
Native people Community (23 km from Autazes)
What could be done
to improve the life quality
in the community ?
To have access to loans
It is complicated
because of the documentation
the bank has to check the deed of the estate
in order to grant a loan
If the land is in your name with no overdue installments, you are fine
But, for us, native people, it is different
Indigenous lands can't be formally owned
and this is our main problem
The bank says it is impossible to grant us a loan
The Family Farmers National Incentive Plan
is a specific credit line
to small family farmers
the ones that cultivate the land
by themselves
and don't have employees
But not everyone has access
to these credit lines
In fact we are excluded
The majority of the farmers are excluded from credit lines
even those created for them
There is plenty of money for the primary sector
but we need to change the mindset
this credit should be treated as an inclusive credit
We need to create solutions
that make people to produce
and no longer be the poor ones
who survive with social assistance programs
There are initiatives to provide access to credit, but they need to be improved
AFEAM is an organization of the Amazonas state
that fosters the oriented productive microcredit
but it operates on a limited scale and in a traditional way
We need to create financial education tools for the people
As long as people need financial services
the banks will deliver these services
but they won't provide financial education
So it has to come from other agents, rather than financial ones
Autazes is very organized city
It has several unions, cooperatives, ...
I think that these organizations could help with financial education
Our idea is to bring a credit cooperative to the county
to support small businesses
A developed region is one where people have opportunities
Opportunity to live a better life
by starting his own business or working as an employee
The most important thing is to have opportunity
Microcredit is above all a social credit
The main goal of the financial institution
shouldn't be financial profit
but mainly "social profit". It's an inclusive credit
It should include the people in the process
Social inclusion and local development ... but with sustainability
We can't attain sustainability only by involving local agents
We need government support
And the involvement of educational organizations
to develop skills and resources to create sustainable businesses.
So, it requires government measures
and support from SEBRAE (Brazilian Small Businesses Support Agency)
to include ideas of sustainability and biodiversity in their training programs.
Only with these measures in place it will be possible to have
a sustainable productive chain respectful of the biodiversity
Realization
Support
Featuring
English subtitles Emil Lewinger and Claudia Gama