The microcredit has been adopted in several countries as efficient mode of generation income,
reducing social inequalities and empowering women. In this sense, the objective of this
research had analyze the effects of microcredit on the empowerment of beneficiaries of
Banco do Povo in the municipality of Palmas, Tocantins’s state, with a focus on the gender
perspective. The research theme was selected because of the importance of analyzing whether
female empowerment is one of the results of municipal investments in public microcredit
policies that have existed since 2005 in Palmas-TO. The methodology adopted was the Oral
History that pointed out traits and specificities in the lives of these women and in their
relationship with microcredit, giving them the opportunity to talk about their experiences.
The Oral History lay bare networks of the daily life of these beneficiaries bringing to light the
processes triggered from the signing of the microcredit contract. The analysis of the
interviews was carried out based on theoretical assumptions regarding empowerment and
gender roles. The interviews have evidence that, even though bring improvements in the
living conditions of the women surveyed, microcredit did not reach the empowerment of these
clients in order to give them conditions of emancipation, autonomy, social participation, selfesteem
and educational formation, important factors for the real empowerment of these
women and with a direct impact on the education of their children and all the people who live
together.
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