Crédito para financiamento de arranjos produtivos locais: o caso do arranjo vitivinicultura da serra gaúcha

Abstract

This dissertation aims to analyze the perception the business owners the micro and small wineries located in the Local Productive Arrangement in the Serra Gaucha about the credit availability. Considering the existence of the financial constraints of the Brazilian banks for micro and small firms, was evaluated as the companies organized in a Local Productive Arrangement (APL) can mitigate these constraints. Thus, this research analyzes the credit supply in the perception of the micro and small wineries in the Local Productive Arrangement of the Serra Gaúcha context. For this, there was used a survey methodology to analyse micro and small wineries in APL situated in the “Vale dos Vinhedos” region (Rio Grande do Sul), with data collected through a semi-structured questionnaire. In addition, the financing agents that offer specific lines of credit for this group of companies were identified, through interviews with managers of banks of this area. It was found that only three financial institutions attend to the APL of the Wine of the Serra Gaucha and offer a range with only one type of credit line. Consequently, the credit line is underused by the micro and small business sector, which - although recognize the importance of the credit improvement to increase competitiveness - consider the current offering with characteristics disproportionate to their realities. Then, it was shown that micro and small companies organized in a APL are not getting any advantage in the obtainment credit, considering the general lines of financing.