03/31/2014

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Microcredits In spite of the diminution of the microcredits in Spain in the last years, even exist some companies that continue betting as for this reason, it is the case of Findirect, that continuous managing these loans of small amounts at a time at which the great banking organizations have become hardened at the time of granting all type of credits. According to a report in " the micro finances in Espaa" , the interbank sector is crossing by a diminution of the microcredits. In year 2008 they were granted in Spain more than 68 million Euros in micro credits. At the moment, for want of a month to finalize the year, the number does not reach 5 million, a 93% less. The existence of the microcredits arose in Bangladesh, thanks to the founder of the Grameen Bank that when taking place a catastrophe in its country had the idea to grant small credits to people who remained without ceiling. These small loans go directed to people with problems economic and difficulty to accede to the commercial bank. Thanks to organizations like Findirect, as much individual people as small commerce obtain this economic aid to do against unexpected expenses, repairs or reforms without needing giving explanations. In Spain they are many people those that are trusting in Findirect to request this type of aid, mainly unemployed people and immigrants, who due to their situation cannot go to the great organizations to request credits. Findirect arises in 2004, with a quite clear objective: to be the organization of credit of confidence of all the Spaniards. It is registered in the Bank of Spain and has a capital 100% national. Thanks to his ample experience, Findirect it emphasizes for being an organization of totally trustworthy credit and counts on the confidence of thousands...
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Social Service Such necessities are, in thesis, the purchase of the force of work and the wage. To think the social Service while work process is a subject sufficiently argued in the category being reason of divergence between some authors argue who it. In this direction they will be boarded thoughts of authors who make quarrels around this subject, as Iamamoto (2007), Granemann (1999) and Lessa (2001). In accordance with this last one, the Social Service if does not configure as a work, therefore It directly does not act with the transformation of the necessary resources of the nature for the social reproduction affirms that the Social Service if configures as a social complex, responsible for the organization of the individuals for the work. However, Iamamoto (2007) and Granemann (1999) affirm that, the Social Service if it materializes as work process leaving of the premise of that it possesss an object in which they intervine, being this, the social matter and its refractions. It possesss, also, instruments of intervention firmed in the bases theoretician-metodolgicas, apprehended while regulated profession, materializing itself in social interviews, meetings, encaminhamentos, to seem social, etc. One third element that the authors use to understand the profession as work process is ' ' produtos' ' , that is, the results of this work. The Social Service intervines in the social relations, and, from the execution of its work it can contribute for the construction of one another society where it has the overcoming of the capital contradiction and work that potencializa the social matter. In this direction, the product of the professional intervention can in accordance with configure of differentiated form the place in which the social assistants are inserted. In this perspective the social service does not act of isolated form of other professionals, for being inserted in...