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O microcrédito na Região Autónoma dos Açores
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Authors
Advisor(s)
Abstract(s)
Este estudo visa analisar o impacto das características socioeconómicas dos candidatos, o facto de possuírem créditos, o setor de atividade e o montante de financiamento no acesso ao Regime de Apoio ao Microcrédito Bancário na Região Autónoma dos Açores.
Os dados utilizados correspondem a uma amostra de 153 processos que passaram por todas as fases desta medida de apoio.
De forma a explicar a probabilidade de a candidatura ser aceite, estimou-se um Modelo de Regressão Logística Binária e para explicar o montante de financiamento aprovado estimou-se um Modelo com Seleção de Amostra.
Os resultados sugerem que o acesso ao Regime de Apoio ao Microcrédito Bancário na Região Autónoma dos Açores é significativamente influenciado pela experiência, estado civil, idade e nível de escolaridade do candidato e ainda pelo facto do candidato ter outros créditos e pelo seu setor de atividade (comércio e restauração). Foi ainda possível concluir que a experiência, o estado civil e o capital inicial são fatores significativos que influenciam positivamente o montante médio do financiamento aprovado, enquanto, o setor atividade comércio tem uma influência negativa no montante médio do financiamento aprovado.
ABSTRACT: This study aims to analyze the impact of the candidates' socioeconomic characteristics, the fact that they have loans, the sector of activity and the amount of funding in accessing the Bank Microcredit Support Scheme in the Autonomous Region of the Azores. The data used correspond to a sample of 153 applications that went through all the stages of this support scheme. In order to explain the probability of the application being accepted, a Binary Logistic Regression Model was estimated and to explain the amount of approved funding, a Model with Sample Selection was estimated. The results suggest that access to the Banking Microcredit Support Scheme in the Autonomous Region of the Azores is significantly influenced by the candidate's experience, marital status, age and education level, and by the fact that the candidate has other loans and by his/her sector of activity (commerce and restaurants). It was also possible to conclude that experience, marital status and initial capital are significant factors that positively influence the average amount of approved financing, while the commerce activity sector has a negative influence on the average amount of approved financing.
ABSTRACT: This study aims to analyze the impact of the candidates' socioeconomic characteristics, the fact that they have loans, the sector of activity and the amount of funding in accessing the Bank Microcredit Support Scheme in the Autonomous Region of the Azores. The data used correspond to a sample of 153 applications that went through all the stages of this support scheme. In order to explain the probability of the application being accepted, a Binary Logistic Regression Model was estimated and to explain the amount of approved funding, a Model with Sample Selection was estimated. The results suggest that access to the Banking Microcredit Support Scheme in the Autonomous Region of the Azores is significantly influenced by the candidate's experience, marital status, age and education level, and by the fact that the candidate has other loans and by his/her sector of activity (commerce and restaurants). It was also possible to conclude that experience, marital status and initial capital are significant factors that positively influence the average amount of approved financing, while the commerce activity sector has a negative influence on the average amount of approved financing.
Description
Dissertação de Mestrado, Ciências Económicas e Empresariais (Finanças e Contabilidade), 27 de maio de 2022, Universidade dos Açores.
Keywords
CRESAÇOR Finanças (modelos matemáticos) Microcrédito Regime de Apoio ao Microcrédito Bancário (RAMB) Microcredit Mathematic Models Azores
Pedagogical Context
Citation
Silva, Marco Paulo Carreiro (2022). "O microcrédito na Região Autónoma dos Açores", 79 p.. Mestrado em Ciências Económicas e Empresariais (Finanças e Contabilidade). Ponta Delgada: Universidade dos Açores. [Consult. Dia Mês Ano]. Disponível em www:<http://hdl.handle.net/10400.3/6379>