Banco popular de los pobres : un análisis de las prácticas y las relaciones que se establecen entre los prestatarios. El caso de San Nicolás (2002-2012)
Fecha
2018
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Facultad de Ciencia Política y Relaciones Internacionales
Resumen
La presente tesis doctoral es el resultado de una investigación que abarca el periodo
comprendido entre los años 2002 al 2012, y se enmarca en el análisis de las prácticas y
relaciones que se establecen entre los sujetos que integran el Banco Popular de los Pobres
(“el banquito”), los que realizan su actividad en grupos conformados pertenecientes a una
organización local, en la Federación de Comercio e Industria de San Nicolás.
El proyecto proveniente del Ministerio de Desarrollo Social de la Nación, consiste y
propone un sistema de microcréditos sin interés destinado a emprendedores que no pueden
acceder a créditos bancarios de la economía formal, a raíz de sus condiciones de
precariedad. El problema de investigación se fue gestando a través del rol de la autora como
promotora, e indaga si la aplicación de estas prácticas de economía solidaria han producido
cambios significativos en los sujetos, en lo grupal, y en la medida de lo posible al referente
empírico de esta tesis, incorporarlo al contexto nacional.
El interés de este trabajo, se orienta a investigar las experiencias encuadradas dentro de
economía solidaria en aquellos sectores excluidos económicamente y su impacto cualitativo
y cuantitativo en un estudio de caso, aplicándose como técnicas de recolección de datos la
observación participante y encuesta. Se intentará descubrir las interrelaciones que se
generan, entre promotores y prestatarios, los acuerdos, desacuerdos, las redes de confianza,
compromisos, responsabilidades, según el espíritu que sustenta esta construcción.
Asimismo se hará un recuento de actores implicados, créditos otorgados, sectores o barrios
que intervinieron, tipos de emprendimientos, características de los proyectos.
Los resultados indican que se establece en la aplicación de esta política, escasa
sustentabilidad de los emprendimientos. Pero se destaca que se logra una mejora en la
calidad de vida como estrategia de supervivencia y construcción del lazo social,
entretejiendo redes que posibilitan la instauración de la solidaridad, y re significando el
concepto de garantía solidaria. Se aporta a incentivar la libertad en el participante,
contribuyendo a la formación de opinión personal, con una liberación qué posibilita
descubrirse distintos a los que tienen el poder del discurso dominante. Asimismo, se
concluye que el trabajador social debe estar incluido en las intervenciones
socioeconómicas, pues tiene la experiencia y herramientas necesarias acorde a las
circunstancias que devienen de lo social dentro del Banco.
This doctoral thesis is the result of an investigation that covers the period from 2002 to 2012, and is part of the analysis of practices and relationships established between the subjects that make up the Popular Bank of the Poor ("the "Banquito"), those who carry out their activity in conformed groups belonging to a local organization, in the Federation of Commerce and Industry of San Nicolás. The project from the Ministry of Social Development of the Nation, consists and proposes a system of microcredit without interest for entrepreneurs who can not access bank loans from the formal economy, due to their precarious conditions. The research problem was developed through the role of the author as a promoter and investigates whether the application of these solidarity economy practices have produced significant changes in the subjects, in the group, and as far as possible to the empirical reference of this thesis, incorporate it into the national context. The interest of this work, is oriented to investigate the experiences framed within solidarity economy in those economically excluded sectors and their qualitative and quantitative impact in a case study, applying as participant observation and survey techniques as data collection techniques. An attempt will be made to discover the interrelationships that are generated, between promoters and borrowers, agreements, disagreements, networks of trust, commitments, responsibilities, according to the spirit that sustains this construction. There will also be a count of the actors involved, loans granted, sectors or neighborhoods that intervened, types of projects, characteristics of the projects. The results indicate that it is established in the application of this policy, little sustainability of the ventures. But it stands out that an improvement in the quality of life is achieved as a strategy of survival and construction of the social bond, interweaving networks that enable the establishment of solidarity, and re meaning the concept of solidarity guarantee. It contributes to encourage freedom in the participant, contributing to the formation of personal opinion, with a liberation that makes it possible to discover oneself different from those who have the power of the dominant discourse. Likewise, it is concluded that the social worker must be included in the socioeconomic interventions, since he has the necessary experience and tools according to the circumstances that come from the social within the Bank.
This doctoral thesis is the result of an investigation that covers the period from 2002 to 2012, and is part of the analysis of practices and relationships established between the subjects that make up the Popular Bank of the Poor ("the "Banquito"), those who carry out their activity in conformed groups belonging to a local organization, in the Federation of Commerce and Industry of San Nicolás. The project from the Ministry of Social Development of the Nation, consists and proposes a system of microcredit without interest for entrepreneurs who can not access bank loans from the formal economy, due to their precarious conditions. The research problem was developed through the role of the author as a promoter and investigates whether the application of these solidarity economy practices have produced significant changes in the subjects, in the group, and as far as possible to the empirical reference of this thesis, incorporate it into the national context. The interest of this work, is oriented to investigate the experiences framed within solidarity economy in those economically excluded sectors and their qualitative and quantitative impact in a case study, applying as participant observation and survey techniques as data collection techniques. An attempt will be made to discover the interrelationships that are generated, between promoters and borrowers, agreements, disagreements, networks of trust, commitments, responsibilities, according to the spirit that sustains this construction. There will also be a count of the actors involved, loans granted, sectors or neighborhoods that intervened, types of projects, characteristics of the projects. The results indicate that it is established in the application of this policy, little sustainability of the ventures. But it stands out that an improvement in the quality of life is achieved as a strategy of survival and construction of the social bond, interweaving networks that enable the establishment of solidarity, and re meaning the concept of solidarity guarantee. It contributes to encourage freedom in the participant, contributing to the formation of personal opinion, with a liberation that makes it possible to discover oneself different from those who have the power of the dominant discourse. Likewise, it is concluded that the social worker must be included in the socioeconomic interventions, since he has the necessary experience and tools according to the circumstances that come from the social within the Bank.
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Banco Popular de los Pobres, Federación de Comercio e Industria de San Nicolás, Economía social y solidaria, San Nicolás, 2002-2012