Plano de negócios para implantação de uma empresa de microcrédito no Município de Pinhalzinho-SC

Abstract

The main objective of this work is to develop a business plan for the foundation of a microcredit company in the city of Pinhalzinho-SC. From the elaboration of the business plan it is important to know the potentialities and challenges of the new venture, so the business plan is very important in the institutionalization of a new venture to increase its chances of success and reduce the risks of its activity. In turn, the offer of microcredit of a company, besides having the monetary gain, becomes for the enterprise a social action, helping in the development of the borrowers. The main methodological procedures developed in this work were based on bibliographic research with different authors specialized in the subject, along with a field research with qualitative and quantitative approach, conducted through a questionnaire. The field research sought information related to the market, such as economic and financial viability. The study also conducted a documentary research in order to understand the legal and technical aspects. Feasibility analyzes projected desired rates and return values linked to the demand for credit in the region where the new venture was founded.