SOURCES OF CREDIT (LOANS AND FINANCING) AVAILABLE TO REUSABLE AND RECYCLE MATERIAL PICKER ORGANIZATIONS

Abstract

Demand for financial resources is a recurrent need in Reusable and Recyclable Material Picker Organizations (OCMRR in Portuguese acronym). However, there is a lack of credit supply (either loans or financing) in the traditional market, and this has a considerable influence on the financial organization of the OCMRR. To evidence this, the purpose of this paper is to identify and analyze the sources of credit (loans and financing) available for the OCMRR in the state of São Paulo, pointing out difficulties and challenges. To do so, we collected information from traditional financial institutions in the state of São Paulo, as well as in public institutions involved in the Solid Waste theme. It was possible to identify that the supply of financial resources is deficient in the state since the traditional banks do not present specific lines for these types of organization. Also, the OCMRR are dependent on joint action with Municipal City Halls or Universities for the preparation of projects for fundraising. Finally, it is evident that there is a gap between the conditions required by the sources of credit and the condition presented by the OCMRR, indicating the situation of financial exclusion of these organizations.