Women’s Loan Program. The Senate should approve an exclusive line of credit for women entrepreneurs

The Chamber of Deputies approved the project authored by the Women’s Bench, which provides for the provision of a credit line exclusively for women. This is the Women’s Loan Program. The proposal, which was approved by the House of Representatives and will follow the consideration of the Federal Senate. The idea is to provide conditions for women entrepreneurs so that they are technically qualified and able to get their business regulated.

The proposal envisages the allocation of about 25% of the resources of the National Micro and Small Business Support Program (Pronampe). The text that provides for the creation of the credit line was created through Bill (PL) n°1.883/21, authored by Deputy Celina León (PP-DF)

The goal is for banks and government agencies to identify women with entrepreneurial potential. The project also envisages that priority should be given to black women who are economically and socially vulnerable.

Importance of Women’s Loan Scheme

According to the Women’s Bench, the creation of the Women’s Loan Program is of fundamental importance because apart from the fact that a large part of the population consists of women, they are in many cases the breadwinners of the family ie. are responsible for all household expenses and still pile on housework and child rearing.

According to the proposal’s author, data from the Brazilian Institute of Geography and Statistics (IBGE) and Sebra indicate gender and racial disparity in the employment and credit segments. The deputy mentioned that.

“The goal of the project is to contribute to the reduction of these gender and racial inequalities in Brazilian society and to promote economic development in various sectors.”

rate for women

Data from the “Women’s Entrepreneurship in Brazil” study conducted by Sebrae shows that women in Brazil have higher interest rates compared to men, 34.6% vs. 31.1% per year, respectively, despite being lower payers. are (3.7% against 4.2%).

How is the woman’s loan program?

As mentioned above, the bill creating the Women’s Loan Program has been approved in the House and will be considered in the Senate. If it is approved, it will continue to be approved by the President of the Republic, Luis Inacio Lula da Silva (PT).

affirmative action

State Rep. Erika Kokay (PT-DF) commented on the importance of creating an exclusive credit line for women, noting that the measure is part of a series of positive actions needed to promote equality between men and women. He announced.

“When we implement concrete policies to promote credit and encourage financial autonomy and women’s entrepreneurship, we recognize the disparity of rights in our society.”

Transparency of information

If approved, the text mandates that one of the Executive’s obligations is to provide the National Congress with data every three months that will inform the amount, values, terms and interest rates applied to micro-enterprise individual (MEI) financing. micro enterprises (ME) and small businesses (EPP). The data should be based on the gender, color and race requirements of each company.

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