Pronampe begins releasing R$12 billion in loans for micro-enterprises.
The Ministry of Economy announced that R$ 12 billion will be added to Pronampe, The loans, which are part of a credit program aimed at micro-enterprises, will begin to be granted this week.
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The Federal Government is expecting the funds to reach the banks between Wednesday and Thursday (03).
These resources will already be made available to some skilled institutions, such as Banco da Amazônia and Banco do Nordeste, which will receive R$282 million and R$268 million, respectively.
Banrisul, for example, will have R$ 730 million, and Sicredi will also begin to make resources available.
Furthermore, Pronampe will be available through other banks such as Banco do Brasil, Caixa Econômica Federal, and Itaú. The limit for each operation is now R$100,000.
The government chose this ceiling so that the loan can be better distributed and more businesses can access this resource.
On average, the value of each transaction in the first phase of Pronampe was approximately R$ 87 thousand.
The Special Secretary for Productivity, Employment and Competitiveness of the Ministry of Economy, Carlos da Costa, stated that the program solved the problem of credit reaching small businesses.
"The Pronampe program has been fundamental in supporting these companies in their survival challenge, but we know that many of these micro and small businesses have taken advantage of Pronampe to make small investments in improving facilities, processes, and machinery," he said.
The biggest attraction of this loan is the interest rate of 1.25% per year plus the Selic rate, which is currently at 2%.
The term is 36 months, with an eight-month grace period before loan repayments begin.
For banks, Pronampe is attractive because there is no risk of default, since up to 100% of the loan is guaranteed by the government.
As is known, the program is aimed at micro-enterprises with annual revenue of up to R$ 360 thousand and companies considered small-sized that have annual revenue of R$ 4.8 million.
