Microcrédito produtivo orientado: estudo dos mutuários da Agência de Fomento do Paraná na sala do empreendedor de Francisco Beltrão (PR)

Abstract

Oriented productive microcredit: study of the borrowers of the Agência de Fomento do Paraná in the Francisco Beltrão (PR). 2018. 84 f. Dissertação (Mestrado Profissional em Administração) - Universidade Estadual do Oeste do Paraná, Cascavel, 2018. The aim of this study was to analyze whether the credit granted by the Paraná Development Agency was enough to meet the capital needs of the borrowers in the city of Francisco Beltrão in 2014. The methodology used was that of multiple case studies (cross-case) in a qualitative research using a structured questionnaire applied to 30 projects. The results pointed to insufficient financing of projected investment in a large number of respondents, placing them at the mercy of complementary loans in the traditional credit market with higher interest rates or readjustments in the original projects. Such insufficiency shows that the duet formed by the need for strategic capital and the concern with the sustainability of this credit policy in banking risk, interferes in the fulfillment of its immutable purpose. However, these investments were perceived in the majority of cases as generators of business improvements, employment generation, income growth and quality of life of the families in the same period. These results can help to build the knowledge about this credit policy in order to foment its continuity, modernization and greater fairness to its objectives. The suggestion for future research lies in the pretension of obtaining such data in a census evaluation made possible in the partnership with financial institutions that provide this modality that includes the collection of correlated data in its activities.