Las dimensiones de la innovación social y los rol de los actores sociales en el contexto del microcrédito
DOI:
https://doi.org/10.5585/2024.26818Palabras clave:
Social innovation, Social actors, Microcredit, Social impactResumen
Objetivo: El objetivo de este artículo es evaluar la innovación social resultante del otorgamiento de microcréditos, así como los roles que desempeñan sus actores sociales.
Metodología: Se realizó una encuesta de experiencia a beneficiarios del programa de microcrédito Crediamigo/BNB, en Fortaleza, Ceará. En el estudio, investigamos cuatro dimensiones de la innovación social: (i) tipología; (ii) profundidad; (iii) cobertura; y (iv) actores sociales.
Originalidad/Relevancia: El estudio explora el vínculo entre el microcrédito y la innovación social, con evidencia de un contexto empírico poco estudiado.
Principales Resultados: Los resultados indican que la tipología se caracteriza por la implementación de nuevos métodos de comercialización para ofrecer productos y servicios, posibilitando el consumo por parte de personas en situación de vulnerabilidad económica. En términos de profundidad de la innovación, los resultados muestran acciones incrementales, disruptivas e institucionales que promueven la inclusión social y económica con cobertura local. En cuanto a los actores sociales, identificamos tres perfiles de beneficiarios orientados a la innovación social: “innovadores”, “visionarios” y “conservadores”.
Contribuciones teóricas/metodológicas: El estudio amplía la comprensión de la innovación social con respecto al alcance/impacto del microcrédito en el desarrollo local y social. Además, proponemos tres perfiles diferentes de actores de la innovación social, que pueden servir como referencia para futuras investigaciones.
Contribuciones sociales/empresariales: El estudio demostró que las acciones de innovación social realizadas por los beneficiarios promueven la inclusión socioeconómica, permitiendo la generación de empleos adicionales, empoderamiento y mejora de la calidad de vida, trascendiendo los aspectos financieros.
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Derechos de autor 2024 Joelma Leite Castelo, Sandra Maria dos Santos, José Carlos Lázaro da Silva Filho, Clayton Robson Moreira da Silva
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