Programa de Microcrédito Produtivo Orientado como alternativa para a inclusão bancária ao empreendedor individual: a experiência da Agência de Empreendedorismo de Pernambuco.

Abstract

Microcredit plays a fundamental role in promoting economic and social inclusion for individuals and communities historically excluded from the traditional banking system. Therefore, this article aims to describe the importance of directed productive microcredit as an alternative for financial inclusion for entrepreneurs in Pernambuco. To achieve this objective, a literature review was conducted on individual entrepreneurship in Brazil, with a focus on exploring the historical background, concepts, characteristics, and promotion of microcredit in fostering financial inclusion, while highlighting the challenges faced by entrepreneurs. Additionally, a case study was conducted to analyze the experience of the Entrepreneurship Agency of Pernambuco as a facilitator of directed productive microcredit. Data collection was carried out through a digital questionnaire, utilizing a qualitative approach and employing content analysis as the analytical method. The results obtained demonstrated that microcredit is a strategically designed banking product aimed at facilitating entrepreneurs' access to financial inclusion, particularly for the informal sector in Pernambuco. This is achieved through credit agents who visit clients, as well as by adapting the credit line conditions to suit the population's reality. Furthermore, microcredit contributes to enhancing the entrepreneur's relationship with the banking and financial system, as credit is granted with consent, and investment application is guided. In light of these findings, the agency's primary objective is to contribute to the socio-economic development of the state. Therefore, the importance of microcredit as an alternative for financial inclusion in Pernambuco becomes evident.