A política pública do crediamigo no munícipio de Governador Valadares com enfoque no microempreendedor individual

Abstract

This study addressed the Crediamigo Public Policy in the city of Governador Valadares, focusing on its influence on the development of Individual Microentrepreneurs (MEIs). The objective of the research was to identify the main impacts of this public policy on the strengthening of local microenterprises. The theoretical framework discussed the relevance of microcredit as a tool to combat poverty and promote economic development in historically disadvantaged regions, highlighting the scarcity of studies on microenterprises that use this type of financing. The methodology adopted was qualitative, using the inductive method and characterized as a descriptive qualitative study. The main methodological procedures included a documentary survey and semi-structured interviews, conducted through questionnaires. The results indicated significant positive impacts on the businesses of microentrepreneurs, highlighting the facilitation of access to credit and the improvement in operational conditions. The analyses suggested that, despite the benefits, there are challenges to be faced, such as the need for greater financial guidance for entrepreneurs. In conclusion, Crediamigo has proven to be a valuable tool for the development of MEIs in Governador Valadares, although the research points to the need for adjustments in financing conditions and support for local entrepreneurship.