Cryptocurrencies for microfinance
| Autor | Lucas Lopes Ferreira Souza, Ana Augusta Ferreira de Freitas, Jerffeson Teixeira Souza, Samuel Façanha Câmara |
| Cargo | Universidade de Fortaleza, Programa de Pós-Graduação em Administração de Empresas, Fortaleza, CE, Brazil/Universidade Estadual do Ceará, Programa de Pós-Graduação em Administração, Fortaleza, CE, Brazil/Universidade Estadual do Ceará, Programa de Pós-Graduação em Administração, Fortaleza, CE, Brazil/Universidade Estadual do Ceará, Programa de ... |
https://bar.anpad.org.br
BAR − Brazilian Administration Review
Vol. 18, No. Spe, Art. 5, e200063, 2021
https://doi.org/10.1590/1807-7692bar2021200063
Special Issue on
Blockchain, Cryptocurrencies and Distributed Organizations
Research Article
Cryptocurrencies for Microfinance
Lucas Lopes Ferreira Souza1
Ana Augusta Ferreira de Freitas2
Jerffeson Teixeira Souza2
Samuel Façanha Câmara2
1 Universidade de Fortaleza, Fortaleza, CE, Brazil.
2 Universidade Estadual do Ceará, Fortaleza, CE, Brazil.
Received 26 June 2020. This paper was with the authors for three revisions. Accepted 31 October 2021.
First published online 11 November 2021.
Editors-in-Chief: Carlo Gabriel Porto Bellini (Universidade Federal da Paraíba, Brazil);
Ivan Lapuente Garrido (Universidade do Vale do Rio dos Sinos, Brazil)
Guest Editors: Jorge Renato Verschoore (Universidade do Vale do Rio dos Sinos, Brazil);
Eduardo Henrique Diniz (Fundação Getúlio Vargas, EAESP, Brazil);
Ricardo Colomo-Palacios (Østfold University College, Norway)
Reviewers: Two anonymous reviewers
Editorial assistants: Kler Godoy and Simone Rafael (ANPAD, Maringá, PR, Brazil)
L. L. F. Souza, A. A. F. de Freitas, J. T. Souza, S. F. Câmara 2
ABSTRACT
The objective of microfinance is to provide services to create economic support for borrowers, so
they can improve their social condition through entrepreneurial activity. Notwithstanding, credit
alone is not sufficient to raise an individual out of poverty. In addition to credit, microfinance
institutions can assist by providing professional and management courses, consultancies,
financial assistance, and by the formation of solidarity groups. To suggest a way to achieve the
microfinance goal, the aim of this article is to propose a cryptocurrency model and an artifact
that can contribute to the microfinance environment. This will be supported by a cryptocurrency
model and platform based on the design science research methodology. This essay shows that
three agents can benefit from the cryptocurrency model: borrowers, microfinance institutions,
and educational institutions. Furthermore, the results show that a new market can develop from
this model with a viable platform to support the relationship between these agents.
Keywords: microfinance; cryptocurrency; design science research methodology
JEL Code: G210
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