Perfil de investimento e financiamento das empresas clientes do Banco do Nordeste do Brasil S/A – Ag. 141 – Município de Sumé – PB.

Abstract

Facing a market marked by fierce competition, businesses increasingly need information to help in decision making. In this context, financial decisions become crucial for them to achieve greater competitive vantage, since these decisions directly influence their operations. Therefore, this research had as main objective to diagnose the general financial profile of companies holding investment funds and financings with the Banco do Nordeste do Brasil S/A - Ag 141 - City of Sumé - PB. As to the methodology, a field research with exploratory, descriptive, qualitative and quantitative character was conducted, consisting of a literature review on the issue under question, whose main variables were the short and long term investment and financing. The data were treated according to the basic parameters of descriptive statistics. The results showed that the companies studied have a great potential for expansion. However, there are some problems that may hinder the development of these enterprises, such as: lack of qualified professionals; low quantity of personnel; lack of adequate lines of credit, with attractive terms and interest rates; lack of support from some institutions capable to boost such development and lack of business assistance/consulting.