O impacto da pandemia no microcrédito na região de Luís Correia – PI

Abstract

This study deals with the theme: "The impact of the pandemic on microcredit in the city of Luis Correia - PI" was part of a challenging context in the face of the trajectory experienced by the pandemic phenomenon applied to the reality of the population of this municipality. The justification is to analyze the influence of microcredit on the lives of formal and informal entrepreneurs based on the policies of the Crediamigo program in the pandemic and post-pandemic period. Therefore, it was part of a work experienced in its practice, in the routine of a needy people who naturally shared experiences. The hypothesis presented concerns the pandemic cycle experienced in commerce, which brought significant changes to the microentrepreneur in a differentiated way in the labor market, ascension and greater development. The problematization presented was as follows: What is the impact of the pandemic on microcredit in the region of Luiz Correia do Piauí? The general objective: the main impacts caused by the pandemic on microcredit in the region. Faced with the movement of the pandemic cycle and the experience of microcredits, impacts of traces and shared by all are observed where many brought their experience and experience trodden throughout this phase that was difficult for all citizens. The methodology presented is part of a field research and a work also focused on a bibliographical research. During the course of this work, it was understood that the profile of the entrepreneur of the borrower in relation to crediAmigo was consciously taken by the clients, as well as the profile of the degree of default during and the post-pandemic. no and in the post-pandemic period, that is, 60% of the samples answered (no) and 40% answered (yes), about the post-pandemic period, the answer was that 65% of the samples answered (no) and 35% answered (yes), Therefore, after the pandemic, defaults decreased. With regard to the reasoning on the behavior of the interest rate during and after the pandemic. The sample taken from the data presented was that 75% of the samples answered (no) and 25% answered (yes), it can therefore be said that after the pandemic the interest rate remained the same. About the level of availability of credit capture with crediamigo about the collected data, 90% of the samples answered (yes) and 10% answered (no), therefore it was very easy to obtain credit in the market. These data were important for the constitution of a more detailed and precise analysis of the points that were guided.