DESAFIOS DOS MICROEMPREENDEDORES NA OBTENÇÃO DE FINANCIAMENTO: UM ESTUDO DE TRÊS SEGMENTOS DO MERCADO
DOI:
https://doi.org/10.12662/2359-618xregea.v4i2.p102-118.2015Keywords:
Microempreendedores, Financiamento, CréditoAbstract
Atualmente as microempresas são responsáveis por 98% dos estabelecimentos comerciais não agrícolas, correspondendo a 50% de todos os empregos formais do País. Dessa forma, este estudo procurou destacar o seguinte questionamento: quais os desafios encontrados por microempreendedores dos segmentos de indústria, comércio e serviço na obtenção de financiamento? O objetivo geral tratou de analisar os desafios enfrentados pelos microempreendedores na obtenção de financiamento por meio de um estudo de caso que abrange os segmentos: indústria, comércio e serviço. Com este intuito, o trabalho procurou entender quais os fatores que interferem nesta busca, além da aplicação e importância que esses recursos representam para a continuidade dos micronegócios. A metodologia foi de natureza quantitativa e qualitativa para permitir uma melhor análise dos dados coletados. Quanto à tipologia, caracterizou-se como descritiva e exploratória quanto aos fins, bibliográfica e múltiplos casos quanto aos meios. O instrumento utilizado para coletar os dados foi o questionário misto, mesclando perguntas do tipo objetivas e subjetivas. Com base nos resultados da pesquisa, constatou-se que, em todas as etapas da obtenção de financiamentos por parte dos microempreendedores, envolvem-se desafios a serem superados, desde a escolha dos agentes financiadores, adequação das operações quanto às taxas e prazos, documentação exigida pelas instituições, e, até mesmo, falta de conhecimento a respeito das linhas disponíveis.Downloads
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