FINANCIAMENTO DO DESENVOLVIMENTO

This text results from a survey conducted in the period 2016 to 2018, taking as territorial landmark the state of Bahia. The objective was to analyze how the credit granted by development agents, active in the region, to entrepreneurs and municipalities contributed to regional development, generating improvement in the quality of life of the local population between 2010 and 2014.No Theoretical framework of support for the analysis were examined the main theories related to the role of credit as a necessary element for development. In addition, the approach to public banks allowed the segregation of credit agents according to their level of adherence to the direct purposes of promoting development. From the methodological point of view, for this analysis, bibliographic surveys of publications carried out by the financial agents, the federal government and the state of Bahia, as well as the extraction of data from the sites of the main sources Related as the Central Bank of Brazil – BACEN, the Treasury secretariat of the State of Bahia – SEFAZ, the Superintendence of economic studies of Bahia – SEI, the National Bank for Social Economic development – BNDES, the Bank of northeastern Brazil S/A – BNB and the DESENBAHIA-Development Agency of the State of Bahia S/A. In conclusive terms, the research indicated that in the period analyzed the funding institutions operating in Bahia presented the following behaviors: preference for liquidity, but with balance of Portfolio between short-and long-term applications; Partial coverage of market failures with concentration of resources in large companies and reduction of the application of resources in infrastructure and health; Regarding the support for the anti-cyclical policy, it was observed that a significant part, 35% of the Bahia territory, suffered a reduction in resources between 2010 and 2014. The variations of the value added setorially highlighted direct and negative correlations in 43% identity territories mostly located in the Semiarid Region; The Metropolitan Region of Salvador, except for the capital, was the only one that had a reduction in GDP per capita despite the volume of financing and funding being elevated in the same period. It was observed that the value added to the industry suffered a decline in the period and the funding amounts were heavily allocated to carriers in this territory and the funding resources applied did not identify significant investments in Areas of education and health.