{"id":6494,"date":"2020-11-18T17:01:58","date_gmt":"2020-11-18T17:01:58","guid":{"rendered":"http:\/\/balconistasa.com\/?p=6494"},"modified":"2020-11-18T17:01:58","modified_gmt":"2020-11-18T17:01:58","slug":"sebrae-reconhece-a-necessidade-de-creditos-para-pequenas-empresas","status":"publish","type":"post","link":"https:\/\/balconistasa.com\/?p=6494","title":{"rendered":"Sebrae reconhece a necessidade de cr\u00e9ditos para pequenas empresas"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Levantamento feito pelo Sebrae indica redu\u00e7\u00e3o no n\u00famero de cr\u00e9dito dados com aumento do valor concedido, a explica\u00e7\u00e3o para isso \u00e9 que os recursos foram destinados \u00e0 uma base seleta de clientes e por isso os valores cedidos foram maiores. Os dados levantados mostram que o n\u00famero de microempresas e pequenos neg\u00f3cios que pegaram cr\u00e9dito se manteve quase a mesma no per\u00edodo de janeiro a junho de 2020 \u2013 em torno de 5 milh\u00f5es de pequenas empresas-, o que contrastou com o aumento na quantidade de cr\u00e9dito pedido devido \u00e0 pandemia, que entre a primeira semana de abril e a \u00faltima semana de julho, subiu de 30% para 54%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Geralmente quando se busca um empr\u00e9stimo a pessoa vai atr\u00e1s de grandes institui\u00e7\u00f5es financeiras como os bancos, mas, quando o assunto \u00e9 cr\u00e9dito para pequenos neg\u00f3cios, s\u00e3o as cooperativas de cr\u00e9dito, bancos regionais, ag\u00eancias de fomento e fintechs,&nbsp;por exemplo, que representam o maior n\u00famero de cr\u00e9ditos dados. Estas institui\u00e7\u00f5es alternativas t\u00eam grande import\u00e2ncia para a economia do pa\u00eds, principalmente no cen\u00e1rio atual, porque as micro e pequenas empresas representam 99% de todas as empresas brasileiras e formam quase 30% do PIB.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/balconistasa.com\/wp-content\/uploads\/2021\/08\/0001s_0001_shutterstock_291968042-1024x683.jpg\" alt=\"\" class=\"wp-image-6495\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Apesar disso h\u00e1 um esfor\u00e7o por parte do governo e de algumas institui\u00e7\u00f5es de facilitar o cr\u00e9dito para os pequenos neg\u00f3cios. O governo federal sancionou uma lei em maio que estabeleceu o Programa Nacional de Apoio \u00e0s Microempresas e Empresas de Pequeno Porte (Pronampe), que define um aporte de R$ 15,9 bilh\u00f5es pelo governo federal destinado \u00e0s microempresas e empresas de pequeno porte. Sendo que o que configura uma microempresa \u00e9 um faturamento de at\u00e9 R$ 360 mil anuais e uma empresa de pequeno porte \u00e9 uma receita de at\u00e9 R$ 4,8 milh\u00f5es por ano.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O cr\u00e9dito oferecido nessa linha pode ser de at\u00e9 30% da receita bruta de 2019 e para empresas que funcionam a menos de um ano, o empr\u00e9stimo pode ser de at\u00e9 50% do capital inicial colocado na empresa ou de at\u00e9 30% da m\u00e9dia do faturamento mensal. O prazo para saldar a d\u00edvida \u00e9 de tr\u00eas anos e a taxa de juros cobrada \u00e9 calculada pela Selic, que \u00e9 a taxa b\u00e1sica de juros da economia, somado 1,25%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e1 tamb\u00e9m o Programa de Microcr\u00e9dito Produtivo Orientado (PNMPO) e Empresa Simples de Cr\u00e9dito (ESC), que s\u00e3o destinados ao pequeno empreendedor. O PNMPO contempla pessoas f\u00edsicas ou jur\u00eddicas que tem a renda ou receita bruta anual menor do que R$ 200 mil e \u00e9 destinado ao est\u00edmulo de atividades produtivas de pequeno porte. J\u00e1 a ESC faz opera\u00e7\u00f5es de empr\u00e9stimo, financiamento de cr\u00e9dito e desconto de t\u00edtulo de cr\u00e9dito para pessoas jur\u00eddicas que se enquadram como microempreendedores individuais (MEI), microempresas (ME) e empresas de pequeno porte (EPP).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/balconistasa.com\/wp-content\/uploads\/2021\/08\/0001s_0000_shutterstock_513545950-1024x683.jpg\" alt=\"\" class=\"wp-image-6497\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Desde 2012, apenas cerca de 20% de todo o cr\u00e9dito dado para empresas no pa\u00eds v\u00e3o para pequenos neg\u00f3cios<\/p>\n","protected":false},"author":1,"featured_media":6496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[776,791],"class_list":["post-6494","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-empresa","tag-sebrae"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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