DESAFIOS DOS MICROS E PEQUENOS EMPREENDIMENTOS NA CAPTAÇÃO DE RECURSOS FINANCEIROS JUNTO ÀS GRANDES INSTITUIÇÕES BANCÁRIAS

Abstract

This paper aims to analyze the main challenges faced by micro and small enterprises (MSEs) in obtaining financial resources from large banking institutions. The relevance of the topic is justified by the economic importance of MSEs in Brazil, especially in generating jobs and driving the local economy, contrasted with the recurring difficulties in accessing credit. The methodology adopted was based on qualitative research, through a literature review and experience report. The theoretical review covered concepts such as the criteria for credit analysis used by financial institutions, bureaucratic obstacles, the lack of real guarantees, the lack of structured accounting management and the low effectiveness of public policies aimed at the sector. The experience report described the case of a company in the service sector, located in Rio Verde-GO, which faced several obstacles in the process of requesting financing for the acquisition of a crane truck, including unjustified denials, excessive bureaucracy and long analysis periods. The main results indicate that, even with significant revenue, MSEs still encounter structural barriers to accessing credit. The use of Simple Credit Companies (ESC), credit unions, guarantee funds and public programs such as PRONAMPE were identified as viable alternatives. It is concluded that joint action between the government, financial institutions and entrepreneurs is necessary to make the processes more accessible, transparent and appropriate to the reality of Brazilian MSEs.