Microcredit Impacts: Evidence from a Randomized Microcredit ...
WHY ARE COMMERCIAL BANKS WORKING WITH MICROCREDIT MICROCREDIT - Livia.pdf · WHY ARE COMMERCIAL...
Transcript of WHY ARE COMMERCIAL BANKS WORKING WITH MICROCREDIT MICROCREDIT - Livia.pdf · WHY ARE COMMERCIAL...
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WHY ARE COMMERCIAL
BANKS WORKING
WITH MICROCREDIT
Por que bancos
comerciais estão
atuando com MICROCRÉDITO
14th IAPNM - Vitória [email protected]
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1. Microcredit for productive individual loans
2. Tridimensional Concept of Marketing
3. Case Study: Banco Bradesco
4. Tridimensional Concept of Microcredit
5. Why Microcredit and what are the challenges?
Program
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for productive
individual loans
Microcredit
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1. Microcredit for productive individual loans
Consumption
Crédito Popular
Group lending
Empréstimo solidário
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Individual contracts
Small Businesses
Professional guidance
Valores maiores
Microempreendedores
Orientado por agentes de microcrédito
1. Microcredit for productive individual loans
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Tridimensional Concept of Marketing
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2. Tridimensional Concept of Marketing
Exchange Troca de bens,
serviços e valores
How to Exchange O que, porque, como (decisões de marketing)
FUNCTIONAL Dimension
MANAGERIAL Dimension
PHILOSOPHICAL Dimension
Produção, produto, vendas,
marketing, societal, holístico
Orientation
Preço, qualidade técnica (ou nível de tecnologia), serviço,
customização, diferenciação de benefícios ou inovação
Competitive Positioning
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Banco Bradesco
Case Study
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3. Case Study: Banco Bradesco
1940’s: Foundation with operations limited within the State of São Paulo.
1960’s: Largest commercial bank in Brazil’s private sector.
1980’s: Multiple bank (banking, mortgages, investment and financing).
SOCIAL
CALLING
CAREER PRESIDENTS
RETAIL
CAPILARITY
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3. Case Study: Banco Bradesco
Microempreendedores formais e
informais.
Valor Mínimo de R$ 500,00.
Valor máximo de R$ 4700,00.
Prestação mínima de R$ 20,00.
Prazo de pagamento entre 4 e 12
meses.
Taxa de juros de 2% ao mês.
3 months = R$ 162 milhões
US$ 52 million
2012
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3. Case Study: Banco Bradesco 2013
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Tridimensional Concept of Microcredit
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4. Tridimensional Concept of Microcredit
Access to credit market
Microcrédito,
inclusão, capacitação
How to give Microcredit Decisões táticas e estratégicas
FUNCTIONAL Dimension
MANAGERIAL Dimension
TACTICAL
SEGMENTATION S
T
R
A
T
E
G
I
C
POSITIONING
COMPETITIVE STRATEGY
GROWTH STRATEGY
Prod Price Comm
Dist Trans Pos-T
PHILOSOPHICAL Dimension
Marketing societal
Orientation
Customização e diferenciação de benefícios
Competitive Positioning
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MICROCREDIT?
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5. Why Microcredit and what are the challenges
MARKET INCENTIVES INSTITUTIONAL INCENTIVES
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5. Why Microcredit and what are the challenges
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5. Why Microcredit and what are the challenges
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5. Why Microcredit and what are the challenges
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Perpetuity
Default Control
Cost efficiency
5. Why Microcredit and what are the challenges
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José Augusto Giesbrecht da Silveira
Prof. Dr. – Economia das Organizações
Departamento de Administração – FEA/USP
Lívia Tiemi Bastos
Doutoranda em Economia das Organizações
Departamento de Administração – FEA/USP
José Roberto Ferreira Savoia
Prof. Dr. – Economia das Organizações
Departamento de Administração – FEA/USP
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OBRIGADA!!
CURITIBA/PR