AUTOSUSTAINABILITY OF COMMUNITY BANKS

APPLICATION OF ECONOMIC-FINANCIAL INDICATORS FOR THE POTENTIAL CAPTURE OF DIRECT RESOURCES WITH INVESTORS.

Abstract

The Community Development Banks (BCD) constituted an essential socio-technical adaptation that expresses the concept of solidarity technoscience in the world of solidarity finance, contributing to the dissemination, democratization and consolidation of financial democracy through the use of social currencies. However, after the period of the political and economic crisis that began in 2013, the resources allocated to the CDBs were extinguished, which left the equipment less structured and, consequently, in a situation of difficult continuity of its activities or even the closure of its activities. In view of this, this work aims to verify the financial self-sustainability of the CDBs by raising funds directly from potential investors based on the eventual approval of PLP 93/2007, which proposes to authorize the direct raising of funds by the BCDs. Conducted through field research with the application of a questionnaire to potential investors in the CDB, it identified the results of conditionalities beyond the possibility of social impact businesses, the need for a repositioning regarding the management of the CDB, in order to maintain self-sustainability without losing the basic principle of solidarity economy, which is to be a humanized form of economy.