01.Who can participate in Progredir actions aimed at Entrepreneurship?
All people registered in the Single Registry who already have a business or want to start a business can participate in the Entrepreneurship of Progredir, including access to targeted productive microcredit.
To participate in Progredir actions, you must be regularly registered in the Single Registry and register with the To progress.
In the case of access to guided productive microcredit, after you register with Progredir and have answered one of the questionnaires “I want to be an entrepreneur” or “I’m Already an Entrepreneur”, the Ministry of Citizenship will send your information to the Progredir partners of microcredit operators so that they can evaluate the financing proposal for your business.
Progredir's partner microcredit operators can be banks, credit cooperatives, development agencies, credit companies for microentrepreneurs and small businesses, organizations in the Civil society of public interest, legal entities specialized in supporting, promoting or guiding oriented productive microcredit and financial institutions that carry out operations exclusively through a website or application.
02. What is guided productive microcredit?
Oriented productive microcredit is financing for the creation, maintenance and improvement of productive businesses. Because it has a specific destination, IT IS NOT A LOAN, but rather financing, although operators also call it a loan.
The money from oriented productive microcredit is specifically intended for entrepreneurial activity of production, marketing, Services provision, CANNOT be used to buy school supplies, renovate your own home, pay debts, meet personal needs, etc.
One of the sources of resources for targeted productive microcredit is in the Program National Guided Productive Microcredit (PNMPO), referred to in Law No. 13,636, of March 20, 2018. Under the PNMPO, individuals and legal entities undertaking urban and rural productive activities, individually or collectively, can take out financing. whose annual income or gross income is up to R$ 360 thousand in the calendar year.
03. Credit Operation Is targeted productive microcredit a loan or financing?
Loan is Credit Operation whose use of resources does not have a specific link.
Financing is Credit Operation whose use of money is obligatory for a certain thing. For example, in oriented productive microcredit, acquisition of inputs and/or equipment for the entrepreneur's business.
Thus, technically, the most correct term is oriented productive microcredit financing. However, as there is a practice of use and to facilitate citizen understanding, operators speak of microcredit loans.
Now, remembering, the PRODUCTION ORIENTED MICROCREDIT LOAN IS NOT FOR CONSUMPTION, you should NOT use the money from the microcredit loan to pay personal expenses, pay off debts, buy school supplies, etc., because if you do so, you will be breaking the contract financing, being subject to the penalties established in the contract.
Attention: Cadastro Único and Progredir do not grant loans or financing, but Progredir partners do microcredit operators.
04. I am interested in starting/strengthening/investing in my own business. How can Progredir help me?
Progredir works as a contact channel with Progredir's partner microcredit operators, who operate oriented productive microcredit, facilitating and encouraging contact with people registered in the Single Registry who want to have or already have a business.
To be contacted, register with Progredir, but remember that you must first be regularly registered with the Single Registry.
The Progredir website address is https://www.gov.br/cidadania/pt-br/acoes-e-programas/progredir/progredir-1/. After registering with Progredir, click on “Microcredit”. Two questionnaire options will appear on the screen for you to fill out. If you want to start a business, click on the 1st option: “I want to be a Microentrepreneur”. If you already have a business, click on the 2nd option: “I’m already a Microentrepreneur”.
To express interest in accessing guided productive microcredit, you must authorize the Ministry of Citizenship to send your data and information to partners, at the end of the questionnaire.
Every month, the ministry sends all these expressions of interest, confidentially, to Progredir's partners, who in turn decide whether or not to contact interested parties to offer their services.
PROGREDIR DOES NOT PROVIDE LOANS OR FINANCING TO ANYONE. It only acts as a facilitator of access to productive microcredit aimed at people registered in the Single Registry.
In addition, Progredir also offers courses that can help you manage your business. Access the Progress website, click on “I Want to Undertake”, and at the bottom of the page click on the “Participate in Courses” button.
05. I want to take out a loan to buy school supplies/renovate my house/pay off debts (among others). What should I do?
Look for a financial institution that works with consumer loans, for example, a payroll loan or another form of credit that does not oblige the borrower to invest the money only in the destination agreed with the financial institution.
In the case of renovating your own home, there are financial institutions that work with specific lines of credit for this.
It is worth clarifying that targeted productive microcredit is NOT the solution to meeting these needs. Oriented productive microcredit is a loan to finance the creation, maintenance and improvement of productive businesses. Therefore, the money from oriented productive microcredit is specifically intended for entrepreneurial activity of production, marketing, Services provision, CANNOT be used to buy school supplies, renovate your own home, pay debts, meet personal needs, etc.
06. How do I access targeted productive microcredit?
To have access to productive microcredit guided by Progredir, it is necessary to register with Progress website. To do this, the citizen must be registered in the Single Registry. Attention: this loan is only for those who want to start or already have their own business. If you are registered in the Single Registry, your CPF will be identified when filling out your registration on the Progredir website.
When accessing Progredir, click on “Microcredit”. Two questionnaire options will appear on the screen for you to fill out. If you want to start a business, click on the 1st option: “I want to be a Microentrepreneur”. If you already have a business, click on the 2nd option: “I am already a Microentrepreneur.”
If you want the questionnaire information to be available to Progredir's microcredit operators partners, you must authorize the sending of your data to these partners at the end of the questionnaire.
The Ministry of Citizenship then forwards your data to microcredit operator partners who, after evaluating your profile, decide whether to contact you to offer a targeted productive microcredit loan.
In addition, Progredir also offers courses that can help you manage your business. Access the Progress website, click on “I Want to Undertake”, and at the bottom of the page click on the “Participate in Courses” button.
07. If I fill out and send the Microcredit questionnaire on the Progredir website, will I get the loan? Will microcredit operating partners contact me?
It is the partner bank's decision whether or not to lend the microcredit, and it is the bank itself that determines the value of the loan. After completing and sending the questionnaire, the Ministry of Citizenship forwards the citizen's data to partner banks who, after evaluating the registration and analyzing the profile, decide whether or not to contact the citizen to offer microcredit and present or not a loan proposal.
In addition, Progredir also offers courses that can help you manage your business. Access the Progress website, click on “I Want to Undertake”, and at the bottom of the page click on the “Participate in Courses” button.
08. What is the value of the microcredit loan?
The loan amount depends on each Progredir microcredit operator partner. Each case will be analyzed individually by the partner. And be careful: it is the partner's decision to grant microcredit or not, and it is the partner himself who determines the value of the targeted productive microcredit loan.
At the Program National Guided Productive Microcredit (PNMPO), referred to in Law No. 13,636, of March 20, 2018, there is a maximum amount to be granted in each loan, which is established by the National Monetary Council (CMN). Currently, the maximum microcredit loan amount is R$ 21 thousand. In the PNMPO, even if it is the partner's decision to grant or not the loan, the amount to be granted cannot exceed the maximum amount established by the CMN.
09. What is the interest rate?
The interest rates on the microcredit loan and the amount to be financed for each entrepreneur depend on the assessment of the Progredir microcredit operator partner. Each partner has its own trading policy, therefore, each partner also has its own interest rate.
10. Can Progredir partners offer microcredit operators different loan amounts?
Yes. The value of each loan will depend on the assessment of each Progredir microcredit operator partner. Thus, the negotiation is between the partner and you. When you talk to your partner, it is important that you think carefully about the real capacity of your business proposal, whether the business will actually be able to generate enough resources to pay the amount of the loan you are seeking. And be aware that it is a debt that you will have to pay to your partner whether your business succeeds or not, among other factors to be considered. Furthermore, the partner himself will deal with you, if he understands that the initial information you provided deserves to be further developed for the future possibility of granting a loan.
11. My CPF is negative/restricted, can I get a microcredit loan?
When the CPF is negative or restricted, access to the microcredit loan depends on each Progredir partner. Typically, registration is not approved until the restriction is resolved. But this may vary from partner to partner.
12. To access the guided productive microcredit offers, do I need to take some type of course? I have already finished a financial education course. Now, what should I do to get a microcredit loan?
At the very beginning of Progredir, there was a requirement for those interested in guided productive microcredit to take the financial education course offered at the time to have access to microcredit. Afterwards, it was assessed that this requirement for Progredir was not appropriate.
Each Progredir microcredit operator partner has its own lending policy, with criteria that it deems sufficient for the selection of future entrepreneurs to be financed. One of the criteria may be proof that the citizen has participated in some type of course or even participates in a course offered by the partner.
In fact, the fact of having completed the financial education course offered by Progredir was not and is not a Guarantee that the credit would or will be granted, but rather a requirement for the interested party to apply for a possible contact to access credit.
Whether or not it is mandatory to prove or participate in any course, it is important that you stay up to date, that you learn about new business techniques, production processes and management alternatives, to better undertake your business. Certainly, the more qualified and qualified you are, the greater the chances of you obtaining a loan for your business.
If you have already taken the course or not, and have not yet been contacted by one of the microcredit operator partners, wait, because an entrepreneur does not easily give up on his dreams!
13. After I register with Progredir, will the Progredir microcredit operator partner contact me?
After you register with Progress website, answer one of the questionnaires “I want to be an Entrepreneur” or “I am already an Entrepreneur” and have authorized the sending of your information to microcredit operating partners, the Ministry of Citizenship sends your data to these partners. IT WILL BE UP TO EACH PARTNER TO DECIDE WHETHER OR NOT TO CONTACT YOU. The department has no control over the evaluation carried out by the partner, this is their decision, whether or not to grant the microcredit loan. And it is the partner himself who determines the value of the loan, considering information about his profile and his business proposal, among other information.
14. I have already registered with Progredir, answered the questionnaire, took the course, but so far I have not received any response, no partner of Progredir microcredit operator has contacted me. What will happen? What are the next steps?
We remind you that, after the partner has analyzed your information sent by the Ministry of Citizenship, IT IS SOLELY THE PARTNER'S DECISION ON WHETHER OR NOT TO CONTACT YOU. Now, it's up to you to wait and, in the meantime, prepare by taking other courses and thinking about improvements for your business, so that there are more possibilities of having your business financed when the opportunity comes to you.
Furthermore, it is possible that you do not yet have a Progredir partner that operates oriented productive microcredit in your municipality. In this case, we inform you that it is an ongoing activity of the Ministry of Citizenship to seek to expand the Progredir Partner Network. So, wait, an entrepreneur doesn't easily give up on his dreams!
15. I've already looked for all the banks in my city, but no one knows anything about this Progredir loan. How do I get the loan?
– Loan concerns a Credit Operation whose use of resources does not have a specific link, while financing concerns resources with a specific destination. For example, in oriented productive microcredit, acquisition of inputs and/or equipment for the entrepreneur's business.
– Technically, the most correct thing would be to talk about targeted productive microcredit financing. However, as there is a practice of use and to facilitate understanding, we will continue to call a loan Credit Operation of targeted productive microcredit. Now, remembering that the PRODUCTIVE ORIENTED MICROCREDIT LOAN IS NOT FOR CONSUMPTION, the entrepreneur must not use the money from the microcredit loan to pay personal expenses, pay off debts, buy school supplies, etc., as if he does so he will be breaking the contract of financing, being subject to the penalties established in the contract.
Having made these clarifications, let's answer your question:
– If banks in your city or other institutions do not yet know about Progredir, tell them to access it Progress website, or contact the Ministry of Citizenship. Also let us know who they are so we can make contact.
– Tell banks in your city and other institutions that, when accessing the Progress website, they will be able to learn about the Progredir Plan and register to become a partner of the plan. When registering with Progredir, the partner can provide up to seven types of services that will be offered free of charge. Below we list what these services are:
1 – Employment: consists of the offer of job vacancies registered in Progredir by the partner offering the formal job vacancy.
2 – Internship: consists of the offer of internship vacancies registered on Progredir by the partner offering the mid-level and/or higher-level internship vacancy.
3 – Young Apprentice: consists of the offer of job vacancies registered in Progredir by the partner offering the apprenticeship vacancy for young people aged 14 to 24 years old.
4 – Courses: consists of offering places to participate in professional qualification courses registered with Progredir by the partner offering the course (in-person or distance learning).
5 – Financial and Payment: consists of establishing a contact channel between the microcredit operator partner and the citizen interested in accessing the productive microcredit loan aimed at creating, maintaining and improving productive businesses.
6 – Prospection public: consists of the partner carrying out actions to mobilize the public to be registered in Progredir.
7 – Prospection partner: consists of the partner, within its network, carrying out actions to coordinate the adhesion of new partners to Progredir.
Now, for you to have more information on how to access the guided productive microcredit loan, see the answers to the other questions in the set of Frequently Asked Questions and, if you still don't feel clarified, contact the Ministry of Citizenship through the service channel CONTACT US or by calling 121.
16. I would like to know if my questionnaire/registration/form has already been sent to a microcredit operator that partners with Progredir.
We inform you that, if you have filled out all the data in one of the questionnaires, “I want to be an entrepreneur” or “I’m Already an Entrepreneur”, and clicked the “Send” button, your questionnaire was forwarded to Progredir’s partner microcredit operators for analysis of your profile.
But be careful: it is only the decision of the partner microcredit operator whether or not to get in touch, whether or not to grant the loan. And the loan money cannot be used to pay debts, carry out renovations, buy personal items, among other things. The money from this loan must be used exclusively to invest in your business.
17. Is it mandatory to be an Individual Microentrepreneur (MEI) to have access to Progredir microcredit?
No. It is not mandatory to be an Individual Microentrepreneur (MEI) to have access to microcredit and other actions offered by Progredir. But we clarify that each Progredir microcredit operator partner has its own standards.
18. How can I register my business and become an Individual Microentrepreneur (MEI)?
Registering your business means formalizing it.
To register your business and become a formalized Individual Microentrepreneur, a MEI, you must access the Entrepreneur Portal.
Guidance on registration is contained in Complementary Law No. 128, dated December 19, 2008.
It is important to know that registering as MEI DOES NOT mean that the microcredit loan will be approved by one of the Progredir partners that operate the microcredit.
19. What is an Individual Microentrepreneur (MEI)?
An Individual Microentrepreneur (MEI) is someone who works or wants to work on their own and decides to formalize their business as a company to have access to CNPJ, retirement, sickness benefit, maternity pay, death pension and other rights. To be a MEI, the entrepreneur's revenue can be a maximum of R$ 81 thousand per year and there cannot be participation in another company as a partner or owner. To find out more about MEI, visit the website “Entrepreneur Portalr”, at www.portaldoempreendedor.gov.br.
20. Where can I find the MEI number/registration?
To acquire the registration/MEI number, you must access the Entrepreneur Portal and request the formalization of the enterprise. After formalization, you will obtain the registration number, which is the CNPJ