Análise do contributo dos microcréditos no desenvolvimento de PMEˈS no distrito de Chibuto caso dos pequenos empreendedores financiados pelo Chaco Microcrédito, no mercado central, 2024-2025

Abstract

Microcredit is an essential resource for small entrepreneurs in low-income regions, such as the Chibuto market, but it faces challenges that compromise its effectiveness in the sustainable development of businesses. Although it facilitates access to capital and promotes financial inclusion, many entrepreneurs, mostly women with low education, encounter structural and educational difficulties that limit the efficient use of resources. The training offered, while focused on financial management and market strategies, is not adapted to the local reality, making practical application of knowledge difficult. Additionally, the frequent dependence on new financing reflects the fragility and lack of sustainability of the businesses. This scenario highlights the importance of adapting training strategies, providing ongoing support, and creating more effective tools so that microcredit can fulfill its role in economic strengthening and social inclusion. Promoting these improvements can generate positive impacts, such as greater economic stability, reduced vulnerability, and community development. Thus, the research aims to analyze the contribution of microcredits in the development of small and medium enterprises (SMEs) in the Chibuto district, using a methodology that combines qualitative and quantitative approaches through interviews, questionnaires, and focus groups, allowing for an in-depth analysis of entrepreneurs' experiences.