Perto India: the importance of ATMs in a developing economy

PertoÍndia: a importância de ATMs em um país marcado pela desigualdade social

Por: Roberto Baur Responsável pela PertoÍndia

O primeiro ministro da Índia, Narendra Modi, considera uma prioridade nacional que as pessoas tenham acesso ao sistema bancário, tanto na cidade como no campo. Isso inclui milhares de pequenas comunidades, denominadas de “vilas”, onde o acesso é muito precário e carente de infraestrutura básica como água, luz, conexão à internet entre tantas outras.

Pensando nisso, o governo do Rajasthan, decidiu instalar 1000 ATMs em regiões remotas e de difícil acesso, sendo 700 em postos fixos e 300 dentro de caminhonetes que irão rodar por áreas com roteiros predeterminados em uma agenda fixa, assim os usuários saberão quando terá um agente bancário disponível em sua região. Em fevereiro de 2018, a Perto Índia, em parceria com a CMS (transportadora de valores), ganhou uma licitação para entregar, instalar e manter estes 1000 ATMs por um período de seis anos.

Nos últimos anos, foram abertas mais de 103 milhões de contas bancárias. É um número elevado em um país de 1,2 bilhões de habitantes (6 vezes mais que a população brasileira, em um território 3 vezes menor) marcados pela desigualdade social e cujo o acesso ao setor bancário é inferior à média mundial. Com este incentivo, o governo espera mudar a cultura de “guardar dinheiro embaixo do colchão” entre outras formas informais de poupança.

Com a bancarização, o dinheiro que o governo destina a ações sociais, nestas regiões, chegará nas mãos corretas, eliminando atravessadores. Com a inclusão social, estes novos clientes terão acesso à linha de crédito facilitada, evitando a exploração econômica de outras linhas de crédito informais que cobram juros muito superiores às taxas bancárias atuais.

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