Fundraising:

study of accessibility in obtaining credit for small businesses in the city of Irecê

Abstract

Micro and small businesses represent the majority of Brazilian companies, however, in order for them to grow, it is important to have the opportunity to acquire third-party capital. Thus, this study aims to analyze the accessibility of small businesses and informal entrepreneurs in Irecê-BA in relation to raising financial resources. For this purpose, bibliographic and documentary research was used, through websites and scientific articles, in addition to the application of a questionnaire with MPEs, MEIs and informal entrepreneurs in Irecê – individual entrepreneurs who are not registered as MEIs with the Federal Revenue Service, but have the classification with the city government –. From the 56 responses received through the questionnaire, it was noted that these small businesses strive to seek bank credit as an option to assist in the development of the company, thus continuing the business activities. Therefore, in order for these organizations to continue developing, they must have the opportunity to access credit through financial institutions, so that they will be able to evolve within the market in which they operate.