Formation and impact of credit lines in pandemic times: practices and reflections for small businesses

Detalhes bibliográficos
Autor(a) principal: Duarte, Rodrigo Garcia
Data de Publicação: 2020
Outros Autores: Luft, Maria Conceição Melo Silva, Matos Júnior, José Ednilson, Silva, Marcio Roque dos Santos
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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spelling 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

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