Analysis of funding sources for micro and small companies

• Autor(a) principal: Ferreira Nogueira, Alisson
• Data de Publicação: 2021
• Outros Autores: Chaves Nobre, Fábio, Holanda Nepomuceno Nobre, Liana
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: REMIPE
• Texto Completo: https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/280
• topic: Financiamento de Micro e Pequenas Empresas; Liberação de crédito; Porte Empresarial; Financing of Micro and Small Enterprises; Credit release; Business Size

Brazilian micro and small companies are marked by an inequality in terms of access to credit and financing, when compared to larger companies. Thus, there is a need to investigate the scenario of micro and small companies in the context of credit release. According to this, the research aims to ascertain the credit releases for micro and small companies by size and whether there is a statistical and significant association in such releases. The sample was composed of 269 companies. The chi-square test was used to verify the association between size and types of credit release. As As a consequence, four hypotheses were developed to test the associations described in the work. The results suggest that there is no significant association between the size of the company and the type of resource used to finance fixed investments in terms of lengthening terms with suppliers. The research shows that there is a significant association between the size and type of financing with the use of public bank loans. Finally, there is an association between the business size and the type of credit release for legal entities aimed at MEs and EPPs, the MEIs are aimed at the release of credit for individuals.