Empreendedorismo nas feiras: gestão financeira e crédito para microempreendedores individuais artesãos e feirantes de Maceió

Abstract

The objective of this study was to analyze the financial management practices used by individual microentrepreneurs (MEIs) in Maceió. In this context, the study is justified by the need to understand the reality of these entrepreneurs, aiming to contribute to the development of more effective public policies and support programs, thus recognizing the social, economic, and cultural importance of the artisanal sector for local development. To achieve the general objective, the methodology adopted is characterized as descriptive research with a quantitative approach, using a survey-type procedure, through the application of a face-to-face questionnaire to microentrepreneurs at an open-air market and two craft fairs (Feirinha do Tabuleiro, Feirinha da Pajuçara, and the Pavilhão do Artesanato) in Maceió, totaling 229 participants, of which 140 made up the final sample after excluding those who did not meet the research criteria. From the analysis of the collected data, the results revealed that the majority of entrepreneurs do not seek knowledge about available credit lines and have limited experience in financial management. For a large portion of the respondents, who mainly work in the retail sector and have employees, being an MEI represents their only source of income. Furthermore, it was observed that 51% of the participants are behind on social security obligations, have limited control over revenue, and do not properly consider costs and profit margins when setting prices. In light of this scenario, it is concluded that, despite the availability of special credit lines for MEIs with differentiated conditions and free financial management courses, entrepreneurs face significant difficulties in obtaining working capital and managing their business finances. The lack of proper accounting records and knowledge of financial management compromises decision-making and access to financial resources, highlighting the need for greater support and training for this important segment of the local economy.