ACCESS TO CREDIT FOR INDIVIDUAL MICROENTREPRENEURS: THE CHALLENGE OF FINANCIAL LITERACY FOR ACCESS TO CREDIT BY MICROENTREPRENEURS IN BRAZIL

This study aims to expand the knowledge about Individual Microentrepreneurs (MEIs), who represent a significant portion of the Brazilian population. The objective is to investigate the challenges related to access to credit and, based on this information, overcome the identified obstacles through the promotion of public policies, internal policies of financial institutions, and initiatives by civil society organizations focused on financial inclusion and the economic development of the country. The article adopts a qualitative approach, utilizing bibliographic research that gathers information from sources such as SEBRAE, IPEA, and IBGE. The participant observation technique was employed as a data collection method during an event at the Federal University of Bahia involving individual microentrepreneurs and experts in the field. The main results include the identification of the challenges faced by MEIs, the mapping of available credit products and solutions, and recommendations for practices and policies that promote the financial inclusion of these entrepreneurs.