CRÉDITO EMERGENCIAL PARA MICRO E PEQUENAS EMPRESAS DURANTE A PANDEMIA DA COVID-19

Abstract

The objective of the study was to determine whether the emergency credit policies made available by governments to MSE's, throughout Brazil, were decisive in facing the economic crisis of Covid-19, and the performance of public banks in granting credit. This is a descriptive study, with a quali-quantitative approach, using the documental and bibliographic method as a methodological procedure. Data were collected on the home page of DataSebrae, Emprestómetro platform in January 2022. The results show that the bureaucracy in the documentation process made it difficult for small businesses to access credit resources made available by the government. Even so, in 2020, around R$ 143.6 billion were allocated in credit and in 2021, with the advance of the release of vaccination combined with the stability of the economic scenario, small businesses hired R$ 27.8 billion. In this context, public banks were fundamental in the distribution of resources as they are a direct line between the government and companies, being responsible for 32% of contracts signed in 2020 and 47% in 2021. Therefore, although the programs did not reach the entire public target, were essential for small businesses, improving the country's economic recovery, also highlighting the role of public banks in credit liquidity and improving competitiveness among financial institutions.