Fatores essenciais para a concessão de microcrédito produtivo orientado: um estudo de caso do CEAPE- Paraíba no ponto de atendimento em Pombal.

Abstract

amid growing demand from companies that specialize in productive microcredit operations geared to generating employment and income for small entrepreneurs seeking microcredit in an attempt to increase their working capital as a way to ensure the sustainability of their ventures is that this research aims to describe factors on economic, social and financial customers enrolled in unit 28 (Tour de Sousa - Point of care of Pombal) CEAPE-Paraiba in order to minimize the risks inherent in microfinance productive oriented along the small entrepreneurs do municipio de Pombal, evidenced from a research database of the institution. In this way was done a survey data to profile of registered customers at the point of care of Pombal who kept their microcredit operations in delays during the period 2005 to 2009. Therefore, this survey and help developers CEAPE in granting micro-credits, will provide subsidies still able to minimise risks and maximise the hits on the time of the review of microcredit. To obtain the results were analyzed variables social, economic and financial affairs of all small entrepreneurs registered in the organization who kept delays by the institution, considered so nonperforming, in addition to the analysis of these variables also considered adimplentes clients by the institution. To this end, we have done using a methodology essay, with perspective on quality and quantity of microcredit operations offered by CEAPE-Paraiba next to small entrepreneurs in the municipality of Pombal. According to the analysis of social, economic and financial was able to identify the key factors, where the age and degree of schooling that are social factors that should be taken into account in credit analysis time, as well as the type of product that the company offers to entrepreneurs, the quantity of parcels and the status of clients who comprise the economic factors and by both essential in credit analysis, already with respect to financial factors must be analyzed with greater rigour, the value of the credit granted, the fixed asset total and the net profit.