impactos do microcrédito junto ao empreendedor de pequenos negócios: o caso do bancri/sc.

Clicks: 100
ID: 220548
2008
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Abstract
O objetivo deste trabalho é o de examinar a contribuição do microcrédito para o desenvolvimento do negócio, bem como identificar quais fatores tiveram uma influência maior no desempenho dos empreendedores. Para tanto, foi utilizada uma amostra de 88 empreendedores que receberam microcrédito do BANCRI, uma instituição de Santa Catarina. Em linhas gerais, o microcrédito recebido teve um impacto positivo no negócio do empreendedor, dado que 100% dos entrevistados afirmaram ter percebido um incremento nas vendas após o recebimento do microcrédito. Grande parte do crédito recebido é destinado ao financiamento do capital de giro da empresa. A relação entre o grau de desempenho da empresa, medida pela variação do seu faturamento no período 2000-2002, e uma série de variáveis métricas e não métricas mostrou-se bastante frágil. Dentre todas as variáveis analisadas, apenas o fato da localização da empresa ser no mesmo local da residência do empreendedor mostrou influenciar o desempenho da empresa. Palavras-chave: microcrédito, empreendedorismo, novos negócios. Abstract This paper aims at examining the contribution of microcredit on the development of businesses, as well as identifying the most relevant factors on the performance of entrepreneurs. For that matter, a sample of eighty-eight entrepreneurs granted with microcredit from BANCRI (an institution from Santa Catarina state) has been used. In general, the microcredit received has proved to have had a positive impact on the businesses, for 100% of them have affirmed noticing sales increase after it. A great part of the credit received is devised at financing working capital for those companies. The relation between company performance (based on sales turnover change between 2000 and 2002) and a series of variables both metric and non-metric has shown very weak. From all the variables analyzed, only the fact of the company site being in the same location of the residence of the entrepreneur has proved to influence the performance of that company. Keywords: microcredit, entrepreneurship, new business
Reference Key
andreassi2008revistaimpactos Use this key to autocite in the manuscript while using SciMatic Manuscript Manager or Thesis Manager
Authors ;Tales Andreassi
Journal sustainable chemistry and pharmacy
Year 2008
DOI
10.20946/rad.v6i1.684
URL
https://revistas.pucsp.br/index.php/rad/article/view/684
Keywords
business

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