Os desafios na obtenção de crédito dos microempreendedores: estudo de caso no Centro de Apoio aos Pequenos Empreendedores (CEAPE) em São Luís - MA

Abstract

This study deals with a survey carried out with the borrowers of the Center for Support to Small Enterprises (CEAPE) in São Luís / MA. Its general objective is to evaluate the challenges in obtaining credit from microentrepreneurs based on a case study. Regarding the type of research to obtain the data, a field study was carried out, characterized by qualitative descriptive research. The techniques used were the bibliographical research and the data collection through the application of a questionnaire containing 12 questions with open questions to CEAPE borrowers. By means of the same ones, it was sought to outline the profile of the participants of the research and the level of knowledge and satisfaction about the credit lines, as well as the lines available by the companies. The results show that although there is a good index of satisfaction with the entrepreneurial modality, there is a lack of information about the existing products and services regarding credit lines, for MEI (Micro Entrepreneur Individual), emphasizing microcredit. Guidance is suggested regarding the financial planning of the business and better professional qualification for these MEI, mainly to the beginners.