02/02/2024 – 13:01
Zeca Ribeiro / Chamber of Deputies
The author of the proposal, deputy Jorge Goetten
Bill 4857/23 creates a debt renegotiation program for micro and small companies along the lines of Desenrola Brasil, a Lula government program aimed at renegotiating debts of individuals.
The target of the new program, called Desenrola MPEs, is financial debts of up to R$ 150 thousand contracted with the National Support Program for Microenterprises and Small Businesses (Pronampe) by:
- individual microentrepreneurs (MEIs);
- micro-enterprises; It is
- small businesses.
The project provides for discounts on debts, provided by the bank. To pay off debts, entrepreneurs can use their own resources or take out loans with special conditions, such as interest of up to 1.4% per month and 60 months to pay.
Financial institutions must exclude renegotiated debts from defaulter records.
To facilitate companies’ adherence to Desenrola MPEs, PL 4857/23 provides that renegotiations and program costs will be supported by the Operations Guarantee Fund (FGO).
This measure ensures that banks do not suffer losses in the event of a new default by the micro-entrepreneur.
The proposal, currently being processed in the Chamber of Deputies, is authored by deputy Jorge Goetten (PL-SC), and will be analyzed, in conclusive character, by the Industry, Commerce and Services committees; Finance and Taxation; and Constitution and Justice and Citizenship.
Goetten states that many companies that joined Pronampe are in default because they took out loans between 2020 and 2021 with the Selic rate 2% per year. Subsequently, the rate was raised by the Central Bank and reached 13.75%.
“This dramatic economic scenario has led small companies to levels of default that have made the growth of the sector and the survival of businesses unfeasible,” said Goetten.
According to research by Serasa Experian, in August 2023 there were 6.59 million defaulting companies of all sizes in the country. Of these, 5.82 million were micro and small companies.
Report – Janary Júnior
Editing – Natalia Doederlein