Práticas financeiras de microempreendedoras: estudo com as finalistas do prêmio Pequenas Gigantes

Abstract

This study explores the feminine microentrepreneurship and their financial management practices. The theme of this work has gained importance in academic and business level, among other factors, by the growth in the number of women landowners ventures. In addition, nationwide, there are few developed research on the female microentrepreneurship. Another important fact is the emergence of public policies that have achieved microenterprises, which reflects the importance of this issue to the national stage. In this sense, this study aims to discuss how the micro-entrepreneurs make the financial management of their business. To achieve this goal, the research, which has qualitative and exploratory character, has systematic literature review and semi-structured script research, which builds on a non-probabilistic intentional sample. Ten micro-entrepreneurs were interviewed. The main results point to the following propositions: (i) the micro-entrepreneurs interviewed have good notions of financial management tools; (ii) the micro-entrepreneurs interviewed have access to banking services, however the vast majority of respondents make use of basic banking credit and debit services; (iii) the micro-entrepreneurs have notions of finance, financial, accounting, interest rates, these notions that are directly related to the characteristics of microentrepreneurs interviewed.