Análise do Programa Ceará CREDI em sua atuação junto a microempreendimentos cearenses

Abstract

This study aims to analyze the contributions of the Ceará Credi Program in the creation and strengthening of microenterprises in Ceará, analyzing its effectiveness as a public policy for productive and guided microcredit. The research adopts a qualitative and descriptive approach, utilizing document analysis of institutional reports and government publications. The study highlights that the program plays a fundamental role in productive inclusion and fostering entrepreneurship, particularly among women and young people. The main findings identified were: (i) strengthening of existing businesses, with 75.9% of the resources allocated to already operating enterprises; (ii) promotion of financial inclusion, with 70% of the credit grants awarded to women, 46,000 of whom are heads of households; and (iii) expansion of access to microcredit, reaching 83,000 beneficiaries and disbursing over BRL 200 million since its inception. Despite the progress, challenges such as inequality in access across municipalities, operational difficulties in fund disbursement, and the need for greater adherence to financial training still represent barriers to the program’s sustainability. The study reinforces the importance of integrating training policies and technical support to maximize the impact of microcredit on income generation and sustainable local development.