{"id":10077,"date":"2023-09-16T15:27:21","date_gmt":"2023-09-16T18:27:21","guid":{"rendered":"https:\/\/changeman.org\/?p=10077"},"modified":"2023-09-16T15:27:21","modified_gmt":"2023-09-16T18:27:21","slug":"oportunidade-de-microcredito-a-partir-de-100mil-para-empreendedores","status":"publish","type":"post","link":"https:\/\/changeman.org\/fr\/oportunidade-de-microcredito-a-partir-de-100mil-para-empreendedores\/","title":{"rendered":"Opportunit\u00e9 de microcr\u00e9dit \u00c0 partir de 100 000 reais"},"content":{"rendered":"
\n

Opportunit\u00e9 de microcr\u00e9dit \u00e0 partir de 100 000 $ pour les entrepreneurs
\n<\/strong><\/h2>\n

Caixa Econ\u00f4mica Federal a annonc\u00e9 la r\u00e9ouverture de la ligne de microcr\u00e9dit appel\u00e9e Caixa Repasse, destin\u00e9e aux Entrepreneurs Individuels et Microentrepreneurs Individuels (MEI).<\/p>\n

L'objectif principal de cette initiative est de faciliter l'acc\u00e8s au cr\u00e9dit et de dynamiser l'\u00e9conomie br\u00e9silienne d'ici fin 2023. Avec l'allocation de 300 millions de R$ \u00e0 cette modalit\u00e9 cette ann\u00e9e, Caixa entend b\u00e9n\u00e9ficier \u00e0 environ 160 000 entrepreneurs.<\/p>\n

Ce programme offre la possibilit\u00e9 de financer diverses d\u00e9penses li\u00e9es \u00e0 l'entreprise, telles que le paiement des fournisseurs, les salaires des employ\u00e9s, les factures d'eau, d'\u00e9lectricit\u00e9 et de loyer, l'achat de mati\u00e8res premi\u00e8res et de biens destin\u00e9s \u00e0 la revente, entre autres besoins de l'entreprise.<\/p>\n

Conditions d'acc\u00e8s au microcr\u00e9dit<\/strong><\/p>\n

Les conditions d'acc\u00e8s \u00e0 Caixa Repasse varient en fonction du type d'entrepreneur. Pour les entrepreneurs individuels, il est n\u00e9cessaire d'avoir moins de 1 000 R$ de dettes bancaires au 31 janvier 2022 (hors financement du logement et limites non utilis\u00e9es).<\/p>\n

De plus, vous devez avoir une inscription \u00e0 jour aupr\u00e8s de CAIXA Tem et disposer d'un compte d'\u00e9pargne CAIXA Tem.<\/p>\n

L'approbation est soumise \u00e0 une v\u00e9rification de cr\u00e9dit. Les microentrepreneurs individuels (MEI) doivent avoir au moins 12 mois d'activit\u00e9\/constitution en tant que MEI, un chiffre d'affaires annuel inf\u00e9rieur \u00e0 R$$ 81 000 et moins de R$$ 3 000 dettes bancaires jusqu'\u00e0 la m\u00eame date. De plus, il est n\u00e9cessaire d'avoir un compte d'entit\u00e9 juridique CAIXA et d'\u00eatre approuv\u00e9 dans l'analyse de cr\u00e9dit.<\/p>\n

Processus de demande de pr\u00eat et montant<\/strong><\/p>\n

Une caract\u00e9ristique importante de Caixa Repasse est que le processus de demande pour les entrepreneurs individuels est num\u00e9rique, permettant aux parties int\u00e9ress\u00e9es de demander le pr\u00eat directement via CAIXA Tem, rendant l'acc\u00e8s au cr\u00e9dit plus simple et plus pratique. Les microentrepreneurs individuels (MEI) doivent faire la demande dans les agences CAIXA.<\/p>\n

Les montants de pr\u00eat offerts par Caixa Repasse ont une valeur minimale de 100 000 R$, avec des taux d'int\u00e9r\u00eat commen\u00e7ant \u00e0 0,691 R$ par mois et pouvant atteindre jusqu'\u00e0 41 000 R$, selon la viabilit\u00e9 du projet. Le d\u00e9lai de paiement est de 48 versements, le premier versement devant \u00eatre effectu\u00e9 seulement six mois apr\u00e8s la signature du contrat.<\/p>\n

Caixa Repasse et le programme SIM Digital<\/strong><\/p>\n

Il est important de souligner que Caixa Repasse diff\u00e8re du programme SIM Digital, lanc\u00e9 en 2022, qui offrait des microcr\u00e9dits de 1 000 R$ \u00e0 1 000 R$ \u00e0 faible taux d'int\u00e9r\u00eat, m\u00eame pour ceux qui avaient jusqu'\u00e0 1 000 R$ de dettes. SIM Digital a \u00e9t\u00e9 ferm\u00e9 en 2023 en raison d'un taux de d\u00e9faut \u00e9lev\u00e9, avec 87% de pr\u00eats impay\u00e9s.<\/p>\n

En contrepartie, Caixa Repasse analyse la viabilit\u00e9 des projets des entrepreneurs et vise principalement \u00e0 accro\u00eetre la capacit\u00e9 productive de leurs entreprises. De plus, ce type de cr\u00e9dit peut \u00eatre utilis\u00e9 pour financer des am\u00e9liorations de tr\u00e9sorerie, telles que le fonds de roulement, et pour acheter de l\u2019\u00e9quipement, des meubles, des outils et d\u2019autres articles n\u00e9cessaires \u00e0 l\u2019activit\u00e9 \u00e9conomique.<\/p>\n

Orientation technique et suivi<\/strong><\/p>\n

L\u2019un des points forts de Caixa Repasse est l\u2019importance du support technique pour assurer le succ\u00e8s des pr\u00eats.<\/p>\n

La pr\u00e9sidente de Caixa, Rita Serrano, a soulign\u00e9 que le microcr\u00e9dit doit \u00eatre consid\u00e9r\u00e9 comme une politique publique et non pas seulement comme une transaction financi\u00e8re. Cela signifie que le programme ne se limite pas \u00e0 fournir du cr\u00e9dit, mais offre \u00e9galement des conseils techniques aux entrepreneurs, contribuant ainsi au succ\u00e8s de leurs entreprises.<\/p>\n

R\u00e9gionalisation du cr\u00e9dit et impact \u00e9conomique<\/strong><\/p>\n

Rita Serrano, lors de l'annonce de la r\u00e9ouverture de Caixa Repasse, a soulign\u00e9 que la mesure est importante pour r\u00e9gionaliser le cr\u00e9dit, c'est-\u00e0-dire pour apporter des opportunit\u00e9s de financement \u00e0 diff\u00e9rentes r\u00e9gions du Br\u00e9sil. Elle a \u00e9galement soulign\u00e9 l\u2019importance d\u2019un service et d\u2019un accompagnement personnalis\u00e9s pour les emprunteurs.<\/p>\n

Le vice-pr\u00e9sident Geraldo Alckmin, pr\u00e9sent \u00e0 l'\u00e9v\u00e9nement, a consid\u00e9r\u00e9 l'initiative comme une incitation pour les petits entrepreneurs \u00e0 cro\u00eetre et \u00e0 g\u00e9n\u00e9rer des revenus, soulignant Caixa comme un instrument de d\u00e9veloppement important.<\/p>\n

\u00c0 son tour, la pr\u00e9sidente de l'Association br\u00e9silienne des op\u00e9rateurs de microcr\u00e9dit et de microfinance (Abcred), Isabel Baggio, a soulign\u00e9 le faible taux de d\u00e9faut du microcr\u00e9dit productif orient\u00e9 (MPO), soulignant que le cr\u00e9dit assist\u00e9 et cibl\u00e9 a \u00e9t\u00e9 un succ\u00e8s, aidant les gens \u00e0 g\u00e9rer leurs finances de mani\u00e8re responsable.<\/p>\n

Dans le contexte g\u00e9n\u00e9ral<\/strong><\/p>\n

Caixa Econ\u00f4mica Federal relance le ligne de microcr\u00e9dit<\/a> Caixa Repasse alloue 300 millions de R$ pour aider les microentrepreneurs \u00e0 d\u00e9velopper leurs activit\u00e9s. Avec des pr\u00eats \u00e0 partir de 100 000 R$, des int\u00e9r\u00eats \u00e0 partir de 0,691 R$ par mois et des conseils techniques, cette initiative vise \u00e0 stimuler l'\u00e9conomie br\u00e9silienne et \u00e0 renforcer le secteur de la micro-entreprenariat d'ici fin 2023.<\/p>\n

Il s\u2019agit d\u2019une opportunit\u00e9 pr\u00e9cieuse pour les entrepreneurs qui souhaitent investir dans leur entreprise et contribuer \u00e0 la croissance \u00e9conomique du pays. Pour obtenir plus d'informations et demander un cr\u00e9dit, les parties int\u00e9ress\u00e9es doivent contacter les institutions r\u00e9pertori\u00e9es sur le site Web de l'Association br\u00e9silienne des op\u00e9rateurs de microcr\u00e9dit et de microfinance (Abr\u00e9g\u00e9<\/a>).<\/p>\n

A lire aussi : 10 institutions qui offrent des pr\u00eats aux personnes n\u00e9gatives<\/a><\/h4>\n<\/div>","protected":false},"excerpt":{"rendered":"

Opportunit\u00e9 de microcr\u00e9dit \u00e0 partir de 100\u00a0000 R$ pour les entrepreneurs. La Caixa Econ\u00f4mica Federal a annonc\u00e9 la r\u00e9ouverture de sa ligne de microcr\u00e9dit Caixa Repasse, destin\u00e9e aux entrepreneurs individuels et aux micro-entrepreneurs (MEI). L\u2019objectif principal de cette initiative est de faciliter l\u2019acc\u00e8s au cr\u00e9dit et de dynamiser l\u2019\u00e9conomie br\u00e9silienne jusqu\u2019\u00e0 fin 2023. Continuer la lecture Opportunit\u00e9 de microcr\u00e9dit \u00c0 partir de 100 000 reais<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":10081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[35],"yoast_head":"\nOportunidade de Microcr\u00e9dito a Partir de 100mil reais - Changeman<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/changeman.org\/fr\/oportunidade-de-microcredito-a-partir-de-100mil-para-empreendedores\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Oportunidade de Microcr\u00e9dito a Partir de 100mil reais\" \/>\n<meta property=\"og:description\" content=\"Oportunidade de Microcr\u00e9dito a Partir de 100mil para Empreendedores A Caixa Econ\u00f4mica Federal anunciou a reabertura da linha de microcr\u00e9dito denominada Caixa Repasse, destinada a Empreendedores Pessoa F\u00edsica e Microempreendedores Individuais (MEI). 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