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</topic><topic id="https://vocabulario.abcd.usp.br/pt-br/?tema=64302"><instanceOf><topicRef xlink:href="#term"/></instanceOf><baseName><baseNameString>MICROCRÉDITO</baseNameString></baseName>  <occurrence>    <instanceOf>      <topicRef xlink:href="#scope-note"/>    </instanceOf><baseName><baseNameString><![CDATA[ Compreende os empréstimos em pequenos montantes concedidos de modo ágil aos trabalhadores informais e por conta própria, que, geralmente, não têm acesso aos bancos tradicionais, inclusive pela impossibilidade de ofertar garantias reais, mas que desempenham alguma atividade produtiva, mesmo que de baixa formalização. <p>Fonte: SOUZA, Maria Celia Garcia Ferreira de. O desenho do Programa Crediamigo do Banco do Nordeste: inclusão social e mercado. Fortaleza : Banco do Nordeste do Brasil, 2010. 165 p.<p> ]]></baseNameString></baseName>  </occurrence></topic>  <association>    <instanceOf>      <topicRef xlink:href="#broader-narrower"/>    </instanceOf>    <member>      <roleSpec>  <topicRef xlink:href="#narrower"/>      </roleSpec>      <topicRef xlink:href="#https://vocabulario.abcd.usp.br/pt-br/?tema=64302"/>    </member>    <member>      <roleSpec>  <topicRef xlink:href="#broader"/>      </roleSpec>      <topicRef xlink:href="#https://vocabulario.abcd.usp.br/pt-br/?tema=25182"/>    </member>  </association></topicMap>