Processo de gestão financeira em arranjos produtivos locais

• Autor(a) principal: Uezato, Carolina Yumi [UNESP]
• Data de Publicação: 2015
• Outros Autores: Santos, David Ferreira Lopes [UNESP], Borges, Ana Claudia Giannini [UNESP], Brumatti, Lívia Martinez [UNESP]
• Tipo de documento: Artigo de conferência
• Idioma: por
• Título da fonte: Repositório Institucional da UNESP
• Texto Completo: http://200.145.6.205/index.php/congressoextensao/8congressoextensao/paper/view/1071; http://hdl.handle.net/11449/142185
• topic: Financial education; Lines of credit; Financial instituitions; Educação financeira; Linhas de crédito; Instituições financeiras

The current work has as a goal presenting the procces of elaborating a guide to business credit orientation, taking form of an educational booklet, which is the first stage to carry out the Extension Project that includes training and advising companies from Local Clusters. The material contains the steps of the process and the caring needed when getting credit. The purpose of this booklet is presenting relevant information in order to create a positive influence on a businessman or entrepreneur, so he can use his debt in the best way he can. For the development of this work, the information has been taken from financial management books and online data bases from the main financial institutions of the country. In the creating process of the guide, it was possible to observe that the options of credit are varied and offered by multiple banks. There is a tendency for the commercial banks to offer short terms credit lines; these options turn back to the need of working capital, however, when analyzing this from the books, it appears that this situation can cause the “scissors effect” on the company. In this way, the guide tries to elucidate the different needs of financing with the respective credit lines, so that the entrepreneur or micro entrepreneur can use the financial leverage to increase his return and not to destroy it. Besides, it was possible to realize the relevance of BNDES and others development institutions like “Banco do Povo” e “Agência Paulista de Desenvolvimento (Desenvolve SP)” in lending to Brazilian companies.