EMPREENDEDORES INVISÍVEIS: DESAFIOS DOS EMPREENDEDORES INFORMAIS NO ESTADO DE GOIÁS

Abstract

This study analyzes informal entrepreneurship in Goiás, with a strong concentration of entrepreneurs in the three main sectors: services, commerce, and construction. It identifies challenges such as low income, lack of academic qualifications, and limited access to financing. The research is exploratory and descriptive, with a qualitative approach based on the analysis of government reports on informal entrepreneurship. The results show that most informal entrepreneurs earn up to a minimum wage and primarily work in the services sector, followed by commerce and construction. The majority of entrepreneurs are male and predominantly Black, with most not having employees and being in business for more than two years. Key challenges include limited access to financing, with only 27% of MEIs obtaining formal credit, and lack of training, as about 65% have never qualified or participated in any training. Bureaucracy is seen as a discouraging factor for formalization. Labor precariousness is evident, with only 15% having access to social security, in addition to the social stigma that limits growth. Economic instability and digital exclusion also hinder innovation and integration into the formal market. The study suggests solutions such as the implementation of microcredit programs, partnerships with fintechs, training, simplification and digitalization of processes, access to formal markets, and the development of social benefits programs and digital inclusion. The paper emphasizes the importance of informal entrepreneurship for Goiás' economy, offering alternatives for those with limited opportunities in the formal market.