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Abstract(s)
O presente trabalho de investigação tem como objeto de estudo o empreendedorismo, designadamente o microempreendedorismo de base local, procurando estudar em que medida uma rede de parcerias facilitada pela proximidade territorial - entre instituições de múltiplos setores, entre estas e microempreendedores e destes entre si – poderá estimular soluções inovadoras de microfinança, potenciadoras de um microempreendedorismo mais inclusivo.
O microcrédito tem vindo a ser estudado como instrumento de combate à pobreza e promotor de inclusão social dos excluídos do crédito, por via do apoio financeiro à criação do autoemprego e do estímulo à iniciativa económica. O presente trabalho de investigação procura olhar também para o potencial do microcrédito como ferramenta de desenvolvimento económico local, por via do incentivo a inovadoras e boas práticas de articulação desta solução com outras soluções financeiras e não financeiras, moldadas em função dos recursos e das sinergias geradas nos territórios e das necessidades dos microempresários.
Este trabalho baseia-se num estudo de caso realizado no Alto Minho, com foco na região de Viana do Castelo e Vale do Lima, recorrendo à construção de histórias de vida de doze microempreendedores locais, enriquecidas com testemunhos de figuras-chave do setor público, bancário e da economia social, colhidos por via de entrevistas semi-diretivas e questionários. Foram coligidos dados ilustrativos das relações de parceria entre atores institucionais e individuais, tendo em conta as hipóteses de partida. A influência positiva do acompanhamento multisetorial no percurso empreendedor foi demonstrada; a importância das relações de proximidade para minorar problemas de agência saiu reforçada; indícios de dinâmicas colaborativas emergentes entre atores locais confirmaram o potencial deste território como palco de inovação em termos de microempreendedorismo inclusivo.
The present research focuses on entrepreneurship, particularly on local microentrepreneurship, by studing how a network of partnerships facilitated by spatial proximity – between institutions from multiple sectors, between these institutions and microenterpreneurs and among microenterpreneurs themselves - can stimulate new microfinance solutions, capable of enhancing more inclusive microentrepreneurship. Microcredit has been studed as a great mechanism to combat poverty and to promote financial and social inclusion, through financial support to seft-employment and economic self-initiatives. In this dissertation, we also look at the potential of microcredit as a local economic development mechanism. Broadening the scope of microcredit, and satisfying local microentrepreneur’s needs, requires innovative practices, that combine credit with other financial and non-financial solutions, grounded on resources and synergies generated within the territories. The thesis is based on a case study carried out in the region of Alto Minho, focusing especially in Viana do Castelo and Vale do Lima, where a set of qualitative methodologies, including twelve life stories of microentrepreneurs and semi-diretive interviews and questionnaires to key institutional actors from public, banking and social economy sectors were builded. The existing local partnerships are described and discussed in view of the study hypotheses.The results corroborate the assumption that entrepreneurs benefit from multisetoral monitoring while developping their economic projects; the importance of trust relations to limit agency problems was also demonstrated; evidence of emerging collaborative dynamics have confirmed the potential of this territory as innovation space for inclusive microenterpreneurship.
The present research focuses on entrepreneurship, particularly on local microentrepreneurship, by studing how a network of partnerships facilitated by spatial proximity – between institutions from multiple sectors, between these institutions and microenterpreneurs and among microenterpreneurs themselves - can stimulate new microfinance solutions, capable of enhancing more inclusive microentrepreneurship. Microcredit has been studed as a great mechanism to combat poverty and to promote financial and social inclusion, through financial support to seft-employment and economic self-initiatives. In this dissertation, we also look at the potential of microcredit as a local economic development mechanism. Broadening the scope of microcredit, and satisfying local microentrepreneur’s needs, requires innovative practices, that combine credit with other financial and non-financial solutions, grounded on resources and synergies generated within the territories. The thesis is based on a case study carried out in the region of Alto Minho, focusing especially in Viana do Castelo and Vale do Lima, where a set of qualitative methodologies, including twelve life stories of microentrepreneurs and semi-diretive interviews and questionnaires to key institutional actors from public, banking and social economy sectors were builded. The existing local partnerships are described and discussed in view of the study hypotheses.The results corroborate the assumption that entrepreneurs benefit from multisetoral monitoring while developping their economic projects; the importance of trust relations to limit agency problems was also demonstrated; evidence of emerging collaborative dynamics have confirmed the potential of this territory as innovation space for inclusive microenterpreneurship.
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Keywords
Microempreendedorismo Microcrédito Parcerias Inovação Território Microentrepreneurship Microcredit Partnerships Innovation Territory