Microcédito e empreendedorismo: uma análise com os tomadores de microcrédito na cidade de Xanxerê - SC

Abstract

The entrepreneurship is present in the most diverse segments of society, for an enterprise to develop, financial resources are needed, whether personal or third-party. The Microcredit became known in the 1970s through Muhammad Yunus that lent small amounts to women on the poverty line to encourage entrepreneurship. The present study seeks as a general objective to evaluate the impact of microcredit in Xanxerê ventures served by Oscip Crediamai and makes use of the following specific objectives to achieve the proposal of this work: present the characteristics of the microcredit program in the state of Santa Catarina, gather information on the profiles of activities that accessed credit in the period of the last 5 years, detect the purpose and destination of the resources obtained and also identify whether or not there is any relationship of credit to the small business survival. To materialize this study in addition to the bibliographic research, an applied research was adopted, which took place through a questionnaire with closed-ended questions prepared and digitally forwarded to the participants, the collected data were tabulated and organized graphically and in a descriptive way the profile of the borrowers could be identified of credit as well as the relevant information of the enterprises. The results found, in addition to describing the profile of borrowers, show that there are still many entrepreneurs in informality and a considerable number who have never accessed credit in conventional banks, thus referring to the importance of access to microcredit when many enterprises are closing due to lack of financial resources. Finally, it is concluded that Crediamai's microcredit has a positive impact in Xanxerê's ventures since credit borrowers positively reported the importance of the acquired credit for the maintenance of their business and recognize the importance of Crediamai for local development.