Case studies

Financial inclusion in Autazes: a case study of an Amazon County

The case study presents the economic, social, and cultural changes that occurred in Autazes, a county of the Brazilian Amazon rainforest, as a result of the provision of government social benefits and banking services at the local level. In order to gather local evidence on these issues, two field studies were carried out (2009; 2010), based on local interaction and interviews with actors representing relevant social groups at the local level – citizens, micro-entrepreneurs, retail owners, and union workers representatives, among others. Our results suggest that financial inclusion through the implementation of banking correspondents in the region has clearly contributed to local economic development, though it also had a negative impact: over indebtedness, reproduction of social exclusion practices and reinforcement of power asymmetries. It seems that although the access to financial resources is a fundamental way to push local development in low-income communities, that access should be oriented through the provision of other services, such as financial training and education, in order to be effective.

The three videos presented below provide a colorful illustration of the micro-financial issues investigated in the region.

A blog, including photos and videos, was set up in order to provide an outlook on the researchers' daily investigations and discoveries as they conducted the first fieldwork in Autazes, in July 2009.


Community banks in Brazil: a promising local development strategy

The team is conducting research on Banco Palmas's local development model. The following documents present part of the results obtained until now.

  • JAYO, Martin; POZZEBON, Marlei & DINIZ, Eduardo. (2009) “Microcredit and Innovative Local Development in Fortaleza, Brazil: the Case of Banco Palmas”. Canadian Journal of Regional Science, 32 (1), April 2009.

A fieldwork research was conducted in Sao Paulo, Brazil, in 2009-2010, with the purpose of exploring the conditions for the implementation and expansion of Banco Palmas' community bank model. The researchers investigated the implementation of three community banks inaugurated in June 2009.  


Crediamigo: case study of a Brazilian MFI

A fieldwork research was carried out in November 2008 in order to investigate further the conditions for the replication and local adaptation of Crediamigo, Brazil's largest microcredit program. The results of this research are presented in:

A master's thesis, which presents an integral account of the literature, theoretical framework, and methodology guiding the research, and the results obtained.

An academic article presenting an overview of the research literature, framework and methodology, and a selected part of the results.

A summary of the research results presented in the aforementioned academic article, in Portuguese