Financeirização e Programa Minha Casa Minha vida: papel do Estado na política habitacional brasileira (2009-2019)

Abstract

This master’s dissertation presents the debate on the phenomenon of financialization in the context of changes in contemporary capitalism, with a focus on the financialization of housing policy. The multiple faces of the concept of financialization and its implications as the phenomenon varies spatially, especially in the area of housing, are exposed. The locus of the research is Brazil and, to this end, the evolution of Brazilian housing policy is presented and the issue is focused on the Minha Casa Minha Vida Program (PMCMV), as well as discussing the characteristics that can define it as a financialized program that promotes the fragmented insertion of the population, in terms of access to decent housing. The methodology of this work consists of bibliographical research and analysis of secondary data that seeks to evaluate the performance of the Program in the first decade of its implementation. This approach is important as it sheds light on how the policy agenda is developed and reflects an understanding of the problem, given its limits and successes. It emerges that the PMCMV has failed to act on the housing deficit or promote access to the city, although it has made some progress in this area.