June 23, 2024

The Catholic Transcript

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New Micro Loans for Entrepreneurs and Passives from 2022

Owners of small and micro enterprises, in addition to people with the name Negative in SPC and SerasaYou will get access to the new Federal Government Microcredit Program. Preliminary information indicates that the item will release amounts of up to 15,000 Brazilian reais through resources from the Employment Compensation Fund (FGTS).

Read more: FGTS: A worker can earn up to R$66,000 with fund correction

The projected distribution will be 3 billion R$, the aim of which is to give impetus to the economy in 2022. Federal Savings BankIn addition to supporting the Ministries of Social Security, Labour, Citizenship and Economy.

The federal government’s new microlending program is already in the final stages of creation and may be announced soon by the President Jair Bolsonaro (PL). This measure will be one of the federal government’s big bets on its economic agenda, which also includes a minimum payment of R$400 in Auxílio Brasil installments.

Activate microcredit

For program transfers, the government will rely on assistance cashier appThe Caixa Econômica Federal digital tool is ideal for this type of service. According to the state-owned company, more than 109 million social savings accounts have been opened since the platform went live in 2020.

With regard to credit, the intent is to secure offers of “potential benefit” to the audience of entrepreneurs and passive people. With that said, given the consecutive hikes in the negative interest rate today at 9.25%, which could reach 11.75% over the next year, it would be hard to find a value well below market expectations.

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Another novelty is that the credit program will receive approval from the Credit Guarantee Fund (FGC), an entity created to ensure the protection of financial institutions and investors.

About the new service, Caixa stated that the line is in the planning stage. On the other hand, the Ministry of Labor and Welfare reported that the proposal to boost microcredit in the country, with a focus on entrepreneurship and employment and income generation, will be announced in due course.