Formation and impact of credit lines in pandemic times: practices and reflections for small businesses
Autor(a) principal: | |
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Data de Publicação: | 2020 |
Outros Autores: | , , |
Tipo de documento: | Artigo |
Idioma: | por |
Título da fonte: | Gestão e sociedade |
Texto Completo: | https://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/3295 |
Resumo: | This paper aims, through the presentation of specific lines of credit, to bring reflections on possible financial practices for financing small businesses in view of the panorama of uncertainty regarding the duration and impact of the crisis generated by covid-19. The particularities of the current crisis are revealed in a comparative way to the previous crises, highlighting the difficulty in forecasting the need for credit and the low adherence of the lines offered to an emergency situation. To this end, it is proposed to diversify the aid tools with the expansion of credit subsidies, amnesties and extinction of interest, and the necessity of caution in hire credit by small businesses, it is reinforced with careful evaluation and dimensioning of real need for capital in view of business continuity. |
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Gestão e sociedade |
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Formation and impact of credit lines in pandemic times: practices and reflections for small businessesFormação e impacto das linhas de crédito em tempo de pandemia: práticas e reflexões para os pequenos negócioscredit linessmall businesspandemiclinhas de créditopequenos negóciospandemiaThis paper aims, through the presentation of specific lines of credit, to bring reflections on possible financial practices for financing small businesses in view of the panorama of uncertainty regarding the duration and impact of the crisis generated by covid-19. The particularities of the current crisis are revealed in a comparative way to the previous crises, highlighting the difficulty in forecasting the need for credit and the low adherence of the lines offered to an emergency situation. To this end, it is proposed to diversify the aid tools with the expansion of credit subsidies, amnesties and extinction of interest, and the necessity of caution in hire credit by small businesses, it is reinforced with careful evaluation and dimensioning of real need for capital in view of business continuity.Este ensaio busca, por meio da apresentação de linhas de crédito específicas, trazer reflexões sobre possíveis práticas financeiras para financiamento às pequenas empresas face ao panorama de incerteza quanto a duração e impacto da crise gerada pela COVID-19. Revelam-se as particularidades da crise atual de forma comparativa aos choques anteriores, ressaltando-se a dificuldade de previsão da necessidade de crédito e a pouca aderência das linhas oferecidas a uma situação emergencial. Para isso, propõe-se a diversificação das ferramentas de auxílio com ampliação dos subsídios ao crédito, anistias e extinções dos juros, e reforça-se a primordialidade de cautela na chamada de linhas de crédito por parte dos pequenos negócios, com avaliação criteriosa e dimensionamento da real necessidade de capital ante a continuidade no negócio.CEPEAD/FACE - UFMG2020-06-01info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdfhttps://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/329510.21171/ges.v14i39.3295Management & Society Electronic Journal; Vol. 14 No. 39 (2020): Special Issue COVID-19 (2020); 3707-3715Gestão e Sociedade; v. 14 n. 39 (2020): Especial COVID-19 (2020); 3707-37151980-575610.21171/ges.v14i39reponame:Gestão e sociedadeinstname:Universidade Federal de Minas Gerais (UFMG)instacron:UFMGporhttps://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/3295/1472Copyright (c) 2020 Gestão e Sociedadeinfo:eu-repo/semantics/openAccessDuarte, Rodrigo GarciaLuft, Maria Conceição Melo SilvaMatos Júnior, José EdnilsonSilva, Marcio Roque dos Santos2020-06-02T22:20:42Zoai:ojs.pkp.sfu.ca:article/3295Revistahttps://www.gestaoesociedade.org/gestaoesociedadePUBhttps://www.gestaoesociedade.org/gestaoesociedade/oaiges@face.ufmg.br||ricardo.ges.ufmg@gmail.com||1980-57561980-5756opendoar:2020-06-02T22:20:42Gestão e sociedade - Universidade Federal de Minas Gerais (UFMG)false |
dc.title.none.fl_str_mv |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses Formação e impacto das linhas de crédito em tempo de pandemia: práticas e reflexões para os pequenos negócios |
title |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
spellingShingle |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses Duarte, Rodrigo Garcia credit lines small business pandemic linhas de crédito pequenos negócios pandemia |
title_short |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
title_full |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
title_fullStr |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
title_full_unstemmed |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
title_sort |
Formation and impact of credit lines in pandemic times: practices and reflections for small businesses |
author |
Duarte, Rodrigo Garcia |
author_facet |
Duarte, Rodrigo Garcia Luft, Maria Conceição Melo Silva Matos Júnior, José Ednilson Silva, Marcio Roque dos Santos |
author_role |
author |
author2 |
Luft, Maria Conceição Melo Silva Matos Júnior, José Ednilson Silva, Marcio Roque dos Santos |
author2_role |
author author author |
dc.contributor.author.fl_str_mv |
Duarte, Rodrigo Garcia Luft, Maria Conceição Melo Silva Matos Júnior, José Ednilson Silva, Marcio Roque dos Santos |
dc.subject.por.fl_str_mv |
credit lines small business pandemic linhas de crédito pequenos negócios pandemia |
topic |
credit lines small business pandemic linhas de crédito pequenos negócios pandemia |
description |
This paper aims, through the presentation of specific lines of credit, to bring reflections on possible financial practices for financing small businesses in view of the panorama of uncertainty regarding the duration and impact of the crisis generated by covid-19. The particularities of the current crisis are revealed in a comparative way to the previous crises, highlighting the difficulty in forecasting the need for credit and the low adherence of the lines offered to an emergency situation. To this end, it is proposed to diversify the aid tools with the expansion of credit subsidies, amnesties and extinction of interest, and the necessity of caution in hire credit by small businesses, it is reinforced with careful evaluation and dimensioning of real need for capital in view of business continuity. |
publishDate |
2020 |
dc.date.none.fl_str_mv |
2020-06-01 |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion |
format |
article |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/3295 10.21171/ges.v14i39.3295 |
url |
https://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/3295 |
identifier_str_mv |
10.21171/ges.v14i39.3295 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.relation.none.fl_str_mv |
https://ges.face.ufmg.br/index.php/gestaoesociedade/article/view/3295/1472 |
dc.rights.driver.fl_str_mv |
Copyright (c) 2020 Gestão e Sociedade info:eu-repo/semantics/openAccess |
rights_invalid_str_mv |
Copyright (c) 2020 Gestão e Sociedade |
eu_rights_str_mv |
openAccess |
dc.format.none.fl_str_mv |
application/pdf |
dc.publisher.none.fl_str_mv |
CEPEAD/FACE - UFMG |
publisher.none.fl_str_mv |
CEPEAD/FACE - UFMG |
dc.source.none.fl_str_mv |
Management & Society Electronic Journal; Vol. 14 No. 39 (2020): Special Issue COVID-19 (2020); 3707-3715 Gestão e Sociedade; v. 14 n. 39 (2020): Especial COVID-19 (2020); 3707-3715 1980-5756 10.21171/ges.v14i39 reponame:Gestão e sociedade instname:Universidade Federal de Minas Gerais (UFMG) instacron:UFMG |
instname_str |
Universidade Federal de Minas Gerais (UFMG) |
instacron_str |
UFMG |
institution |
UFMG |
reponame_str |
Gestão e sociedade |
collection |
Gestão e sociedade |
repository.name.fl_str_mv |
Gestão e sociedade - Universidade Federal de Minas Gerais (UFMG) |
repository.mail.fl_str_mv |
ges@face.ufmg.br||ricardo.ges.ufmg@gmail.com|| |
_version_ |
1797067420212396032 |