The Federal Government released a new type of credit for Individual Microentrepreneurs (MEIs) and informal workers. The project Digital Microcredit for Entrepreneurs – SIM Digital was included in the Provisional Measure (MP) signed by President Jair Bolsonaro, in a ceremony at the Planalto Palace.
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According to information, credit for individuals will be up to R$ 1 thousand with an interest rate of 1.95% per month, in addition to having the opportunity to divide it into 24 installments. For legal entities (MEI), the loan can reach R$ 3 thousand, with interest of 1.99% per month, and settlement in up to 24 installments. However, only legal entities that have a productive activity with gross revenue of up to R$360,000 will be able to access the new line.
The president of Caixa Econômica Federal, Pedro Guimarães, stated that the resource has been available since March 28, and individuals can now access the loan directly through the Caixa application He has. And attention: even those whose names are negative for credit can participate in the program!
However, if you are MEI, access to the loan will only be allowed at Caixa branches, in person. However, there is the expectation that later on the credit may also be contracted digitally.
According to the government, the program has no fiscal impact and will use BRL 3 billion in FGTS resources. to acquire shares of the Fundo Garantidor de Microfinance (FGM) as a way of mitigating the risks of operations. The new modality is aimed at people without a credit history who, therefore, have difficulty obtaining financing from banks and conventional financial institutions.
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