| Journal: | REN. Revista economica do nordeste |
| Database: | CLASE |
| System number: | 000315600 |
| ISSN: | 0100-4956 |
| Authors: | Freitas, Ana Augusta Ferreira de1 Ribeiro, Rosa Cristina Lima2 |
| Institutions: | 1Universidade Estadual do Ceara, Fortaleza, Ceara. Brasil 2Banco do Nordeste do Brasil, Fortaleza, Ceara. Brasil |
| Year: | 2009 |
| Season: | Abr-Jun |
| Volumen: | 40 |
| Number: | 2 |
| Pages: | 249-261 |
| Country: | Brasil |
| Language: | Portugués |
| Document type: | Artículo |
| Approach: | Analítico, descriptivo |
| English abstract | Among the subjects that deserve more attention from researchers in the entrepreneurship area is the explanation about factors related to business performance. Entrepreneurship is theoretically analyzed according to the cultural context where it takes place. In particular in this case, microcredit is embodied in Social Programmes aimed at fostering economic development in the northeast of Brazil. According to theory, business performance is investigated based on small scale entrepreneur’s personal resources and organizational activities they are engaged at while conducting their undertakings. Statistical analyses were conducted linking both variables to ROE using Chi-Square Automation Interaction Detection (CHAID), using a data base of 9,037 microcredit operations performed by the Northeast Brazilian Bank in their Crediamigo Program (Friendly Credit Program). Results indicate that personal resources like entrepreneur age are, in general, associated with improved performance, while education and gender are associated with better performance for particular groups of businessman under investigation. Practical and theoretical developments of those findings are elaborated at the end, in order to suggest improvements for this socially embedded program of microcredit |
| Portuguese abstract | Explica a performance empreendedora de tomadores de microcrédito, com base nos recursos pessoais e nas atividades organizacionais. Faz a associação entre as duas dimensões e o desempenho do negócio através de uma análise de agrupamento baseada na técnica de Chi-Square Automation Interaction Detection (Chaid) e tendo por base um banco de dados contendo 9.037 registros de empreendedores da região Nordeste, extraídos da base de dados do Programa Crediamigo. Os resultados apresentam implicações teóricas e práticas como a importância da variável idade na explicação do desempenho empreendedor, e escolaridade e gênero que também aparecem de maneira significativa, influenciando diferentes grupos de empreendedores |
| Disciplines: | Economía |
| Keyword: | Economía descriptiva, Brasil, Microcréditos, Emprendedores, Desempeño económico, Actividades productivas, Financiamiento |
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