Open AccessA propositive contribution to the mitigation of the credit problem on Brazilian solidarity economy enterprises
Author(s) -
Davi de Pinho Spilleir,
Orandi Mina Falsarella,
Celeste Aída Sirotheau Corrêa Jannuzzi
Publication year - 2021
Language(s) - English
Resource type - Journals
ISSN - 2411-2933
DOI - 10.31686/ijier.vol9.iss3.2990
Subject(s) - solidarity , solidarity economy , work (physics) , open access journal , business , relation (database) , field (mathematics) , economy , economic system , economics , political science , computer science , law , scopus , engineering , mechanical engineering , mathematics , medline , database , politics , pure mathematics
The biggest impediment to the viability of Solidarity Economy Enterprises (SEE) is the credit issue, which due to lack of guarantees means that they cannot access credit through traditional banking channels and end up failing. In view of this unfavorable scenario, the objective of this work is to make a propositive contribution, evidencing elements that are useful to enterprises of solidarity economy in relation to obtaining credit. To do so, it relied on bibliographic research to link these factors, highlighting those that can be controlled by the SEE, as well as those external so that the credit assignment occurs, which resulted in the elaboration of a propositive instrument, with elements that facilitate the assignment of credits both in the user's view and in the institutional view. Its usefulness could be verified with a field research, conducted with 25 solidarity economy enterprises, which answered a questionnaire informing whether the existence of such an instrument would help in reducing the difficulties of obtaining credit, as well as being able to contribute with eventual adjustments.