Uma carteira de microcrédito no valor de r$ 1.911,00 e uma moeda social, o gostoso. Assim começa a experiência do banco comunitário de São Miguel do Gostoso/RN

Abstract

An exploratory study about the applicability of cases for teaching in superior education as a teaching and learning strategy, with the aim of encouraging the teaching community and researchers to deepen around innovative experiences with potential theoretical reflection framework around the Economy and Finance. The first part of this research deals with the historical context in which the experience of a community bank starts and begins to take hold. Along the way, there is evidence of an organizing process, production, distribution and consumption which is based on a solidarity economy. Focusing on value’s circulation at the community, a genuine currency is created whose circulation is approved, so called: "Gostoso". This initiative goes on. Then, based on methodological guidelines, the research points to a problem that is: the "critical moment" which revolves around the risk of granting microcredit. Guided on trust as a key point, the dilemma revolves around the risk involving the credit granting decision. The decision is made collectively through the Credit Evaluation Committee; Trust is a major factor in the scoring, but to what extent is intrinsically related in a complementary way or not, with other complementary actions, such as the monitoring of funded activities? What strategies could minimize this risk within the principles of a Community Bank? Finally, there is the need to build teaching cases in the implementation of microfinance for its application in superior education, alongside the role of scientific institutions and periodic sharing knowledge and dilemmas together teachers and researchers.