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Perspetivas de crescimento das empresas da cidade de Lichinga face às linhas de crédito BNI e GOV. COVID-19
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Para aliviar o impacto da pandemia da COVID-19 no país, o governo moçambicano através do Banco Nacional de Investimento (BNI) lançou no mercado duas linhas de crédito destinadas ao financiamento da tesouraria e das necessidades de investimento. Neste contexto, o presente estudo procura avaliar as perspetivas de crescimento das empresas face às linhas de crédito BNI e GOV. COVID-19, focando-se nas empresas da Cidade de Lichinga. As duas linhas de crédito foram criadas para financiar as componentes de tesouraria e investimento das micro, pequenas e médias empresas afetadas direta ou indiretamente, de modo a dotá-las de capacidades para enfrentar as dificuldades operacionais e permitir a geração de fluxos de caixa resultantes das suas operações. Nesta senda, optamos por trabalhar com 35 empresas filiadas ao CEP-Delegação de Niassa (2020–2021), tendo metodologicamente, optado por um estudo quantitativo, subsidiado por uma pesquisa descritiva e exploratória. Constatou-se que, grande parte dos empresários têm conhecimento das linhas de crédito. O estudo apontou ainda que 42.9% das empresas enquadram-se na na categoria "Pequenas e Médias empresas" com volume de negócios não superior a 14.700 milhões de MTn. As empresas da cidade de Lichinga, devido à incerteza no acesso ao financiamento do BNI e tendo em conta a sua real situação, face aos critérios de elegibilidade apresentados pelo BNI, grande parte destas, não cumprem a estes critérios e apresentam uma perspetiva de crescimento na ordem de 2.0 pontos percentuais negativos.
To alleviate the impact of the COVID-19 pandemic on the country, the Mozambican government, through the National Investment Bank (BNI), launched two credit lines to finance treasury and investment needs. In this context, this study seeks to assess the growth prospects of companies facing the BNI and GOV. COVID-19 credit lines, focusing on companies in the city of Lichinga. The two credit lines were created to finance the cash and investment components of micro, small, and medium-sized enterprises directly or indirectly affected, providing them with the capacity to face operational difficulties and enable the generation of cash flows from their operations. To this end, we chose to work with 35 companies affiliated with the CEP-Niassa Delegation (2020–2021), and methodologically, we opted for a quantitative study supported by descriptive and exploratory research. We found that most business owners are aware of the credit lines. The study also found that 42.9% of companies fall into the "Small and Medium-Sized Enterprises" category, with a turnover of less than 14.7 billion MTn. Due to uncertainty in accessing BNI financing and considering their atual situation, many companies in the city of Lichinga do not meet these criteria and have a growth outlook of approximately 2 percentage points.
To alleviate the impact of the COVID-19 pandemic on the country, the Mozambican government, through the National Investment Bank (BNI), launched two credit lines to finance treasury and investment needs. In this context, this study seeks to assess the growth prospects of companies facing the BNI and GOV. COVID-19 credit lines, focusing on companies in the city of Lichinga. The two credit lines were created to finance the cash and investment components of micro, small, and medium-sized enterprises directly or indirectly affected, providing them with the capacity to face operational difficulties and enable the generation of cash flows from their operations. To this end, we chose to work with 35 companies affiliated with the CEP-Niassa Delegation (2020–2021), and methodologically, we opted for a quantitative study supported by descriptive and exploratory research. We found that most business owners are aware of the credit lines. The study also found that 42.9% of companies fall into the "Small and Medium-Sized Enterprises" category, with a turnover of less than 14.7 billion MTn. Due to uncertainty in accessing BNI financing and considering their atual situation, many companies in the city of Lichinga do not meet these criteria and have a growth outlook of approximately 2 percentage points.
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Palavras-chave
Empresas Linhas de crédito Perspetivas de crescimento Companies Credit lines Growth prospects
Contexto Educativo
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Editora
SkillsResearch
Licença CC
Sem licença CC