The Senate approved, this Wednesday (13), the provisional measure that opens a microcredit line for MEI (individual microentrepreneurs) and that allows workers to use resources from the FGTS (Fundo de Garantia do Tempo de Serviço) to guarantee contracted loans.
The text was approved in a symbolic vote in the Senate and, now, goes to the sanction of President Jair Bolsonaro (PL).
The text creates the so-called Digital SIM, aimed at people who carry out some productive activity or service provision, urban or rural, individually or collectively, as well as MEIs within the scope of the National Program for Oriented Productive Microcredit. There will still be preference for women until the proportion of at least 50% is reached.
One of the objectives is to create incentives for popular entrepreneurship through access to credit for those usually outside the financial system, such as individual micro-entrepreneurs with annual revenues of up to R$ 81 thousand.
The text provides that microcredit operations will be granted exclusively to individuals and MEIs who did not have active credit operations on January 31, 2022, according to research available in the Credit Information System made available by the Central Bank.
For individuals, the first credit line granted will have a maximum amount of R$ 1,500. For MEI, it will be R$ 4,500, considering the sum of all operating contracts carried out in the Digital SIM.
The MP conditions future loans of this line to individual micro-entrepreneurs who have received technical-professional qualification, as established in an act of the Minister of Labor and Welfare.
The MP prohibits the execution of loans with people or MEIs who have a conviction related to work in conditions similar to slavery or child labor.
The provisional measure also brings provisions that refer to the FGTS. The text obliges the domestic employer to pay the remuneration due to the domestic employee until the 7th day of the month following the month of competence.
The Senate also approved, this Wednesday (13), the provisional measure that releases extraordinary credit of R$ 1.2 billion to family farmers affected by the drought or drought that occurred in the 2021/2022 harvest.
Farmers from Mato Grosso do Sul, Paraná, Rio Grande do Sul and Santa Catarina, who have declared a state of calamity, will be contemplated. The text was approved by a symbolic vote in the Senate and was promulgated.
According to the Ministry of Economy, climatic factors related to drought or drought with rainfall levels below the historical average and with high temperatures at the end of 2021 and in the beginning of 2022 increased the difficulties of small family farmers who do not have coverage of the Program of Guarantee of Agricultural Activity – Proagro or Insurance.
These farmers were impacted by a reduction in income and had their ability to pay and remain in the activity compromised. Therefore, they needed an immediate response to settle debts and open credit limits to finance the new harvest.
The resources will be applied within the scope of Pronaf (National Program for Strengthening Family Agriculture), a line of financing that helps to strengthen small farmers.
According to the rapporteur of the text, Roberth Bringel (União-MA), the condition for farmers to receive the resources is that they are not covered by Proagro or Rural Insurance. “About 200,000 rural properties will benefit from the provisional measure”, said the senator, in the justification of the project.
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