{"id":2724,"date":"2021-03-17T07:56:39","date_gmt":"2021-03-17T10:56:39","guid":{"rendered":"https:\/\/politiciando.com.br\/?p=2724"},"modified":"2021-03-17T09:16:16","modified_gmt":"2021-03-17T12:16:16","slug":"aplicativo-do-banco-do-brasil-passa-a-oferecer-microcredito-produtivo","status":"publish","type":"post","link":"https:\/\/politiciando.com.br\/?p=2724","title":{"rendered":"Aplicativo do Banco do Brasil passa a oferecer microcr\u00e9dito produtivo"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Pequenos empreendedores podem contratar opera\u00e7\u00f5es sem ir \u00e0 ag\u00eancia<\/h3>\n\n\n\n<!\u2014 INICIO TAG \u2014>\n     <!\u2014 \n     Id: 7399 \n     Campanha:  PANDEMIA\n     Server: Metrike \n     Ve\u00edculo:  POLITICIANDO \n     Cliente: GOVPB   \n     Formato: POLITICIANDO - 728X90 \n     Data de Veicula\u00e7\u00e3o: 05\/11\/2020 - 30\/11\/2020\n     \u2014>\n     <ins data-revive-zoneid=\"7399\" data-revive-id=\"566f260197bf822e7263f1a3667caa2f\"><\/ins>\n     <script async src=\"\/\/ads.metrike.com\/asyncjs.php\"><\/script>\n     <script async src=\"https:\/\/cloud.metrike.com\/analytics\/a.php?domain_name=politiciando.com.br\/&#038;campaign_id=10518&#038;zone_id=7399\"><\/script>\n     <!\u2014 FIM TAG \u2014>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"613\" src=\"https:\/\/politiciando.com.br\/wp-content\/uploads\/2021\/03\/agencia-bb-1024x613.jpg\" alt=\"\" class=\"wp-image-2725\" srcset=\"https:\/\/politiciando.com.br\/wp-content\/uploads\/2021\/03\/agencia-bb-1024x613.jpg 1024w, https:\/\/politiciando.com.br\/wp-content\/uploads\/2021\/03\/agencia-bb-300x179.jpg 300w, https:\/\/politiciando.com.br\/wp-content\/uploads\/2021\/03\/agencia-bb-768x459.jpg 768w, https:\/\/politiciando.com.br\/wp-content\/uploads\/2021\/03\/agencia-bb.jpg 1170w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Fachada de Ag\u00eancia do Banco do Brasil.<\/figcaption><\/figure>\n\n\n\n<!\u2014 INICIO TAG \u2014>\n     <!\u2014 \n     Id: 7399 \n     Campanha:  PANDEMIA\n     Server: Metrike \n     Ve\u00edculo:  POLITICIANDO \n     Cliente: GOVPB   \n     Formato: POLITICIANDO - 728X90 \n     Data de Veicula\u00e7\u00e3o: 05\/11\/2020 - 30\/11\/2020\n     \u2014>\n     <ins data-revive-zoneid=\"7399\" data-revive-id=\"566f260197bf822e7263f1a3667caa2f\"><\/ins>\n     <script async src=\"\/\/ads.metrike.com\/asyncjs.php\"><\/script>\n     <script async src=\"https:\/\/cloud.metrike.com\/analytics\/a.php?domain_name=politiciando.com.br\/&#038;campaign_id=10518&#038;zone_id=7399\"><\/script>\n     <!\u2014 FIM TAG \u2014>\n\n\n\n<p>Os pequenos empreendedores podem contratar opera\u00e7\u00f5es de cr\u00e9dito diretamente pelo&nbsp;<em>smartphone<\/em>. O Banco do Brasil (BB) anunciou a contrata\u00e7\u00e3o do microcr\u00e9dito produtivo orientado (MPO) por meio do aplicativo da institui\u00e7\u00e3o financeira.<img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1404161&amp;o=node\"><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.gif?id=1404161&amp;o=node\"><\/p>\n\n\n\n\n<!\u2014 INICIO TAG \u2014>\n     <!\u2014 \n     Id: 7400 \n     Campanha:  PANDEMIA\n     Server: Metrike \n     Ve\u00edculo:  POLITICIANDO \n     Cliente: GOVPB   \n     Formato: POLITICIANDO - 300X250 \n     Data de Veicula\u00e7\u00e3o: 05\/11\/2020 - 30\/11\/2020\n     \u2014>\n     <ins data-revive-zoneid=\"7400\" data-revive-id=\"566f260197bf822e7263f1a3667caa2f\"><\/ins>\n     <script async src=\"\/\/ads.metrike.com\/asyncjs.php\"><\/script>\n     <script async src=\"https:\/\/cloud.metrike.com\/analytics\/a.php?domain_name=politiciando.com.br\/&#038;campaign_id=10518&#038;zone_id=7400\"><\/script>\n     <!\u2014 FIM TAG \u2014>\n\n\n\n\n<p>Com a ferramenta, os contratos passar\u00e3o a ser firmados pelo celular, dispensando a impress\u00e3o de documentos e a assinatura f\u00edsica. Destinado \u00e0 amplia\u00e7\u00e3o da produ\u00e7\u00e3o ou \u00e0 expans\u00e3o de pequenos neg\u00f3cios, o MPO oferece empr\u00e9stimos de R$ 1 mil a R$ 21 mil, com pagamentos de 5 a 18 parcelas, estabelecidos com base na capacidade do credor.<\/p>\n\n\n\n<p>No aplicativo, o empreendedor informal pede o microcr\u00e9dito. Em cinco minutos, em m\u00e9dia, a ag\u00eancia de relacionamento do correntista analisa o pedido e calcula a capacidade de pagamento. Caso o proponente aprove a proposta do banco, assinar\u00e1 todos os documentos eletronicamente.<\/p>\n\n\n\n<p>Na se\u00e7\u00e3o \u201cPerfil\u201d, dentro do aplicativo, o cliente clica em \u201cConfirma\u00e7\u00f5es pendentes\u201d e escreve a senha de seis d\u00edgitos, formalizando a contrata\u00e7\u00e3o do microcr\u00e9dito produtivo orientado sem a necessidade de ir \u00e0 ag\u00eancia. O Banco do Brasil orienta o proponente a ler toda a documenta\u00e7\u00e3o antes de proceder \u00e0 assinatura eletr\u00f4nica.<\/p>\n\n\n\n<p>Segundo o Banco do Brasil, a melhoria dos canais eletr\u00f4nicos de atendimento \u00e9 essencial para fortalecer os pequenos neg\u00f3cios, principalmente neste momento de recrudescimento da pandemia de covid-19. De acordo com a institui\u00e7\u00e3o, os profissionais que mais recorrem ao microcr\u00e9dito produtivo orientando s\u00e3o vendedores informais de roupas e acess\u00f3rios, cabelereiros, manicure e pedicure, vendedores informais de alimentos, empreendedores dos ramos de est\u00e9tica e outros servi\u00e7os de cuidados com a pele e higiene pessoal.<\/p>\n\n\n\n\n<!\u2014 INICIO TAG \u2014>\n     <!\u2014 \n     Id: 7400 \n     Campanha:  PANDEMIA\n     Server: Metrike \n     Ve\u00edculo:  POLITICIANDO \n     Cliente: GOVPB   \n     Formato: POLITICIANDO - 300X250 \n     Data de Veicula\u00e7\u00e3o: 05\/11\/2020 - 30\/11\/2020\n     \u2014>\n     <ins data-revive-zoneid=\"7400\" data-revive-id=\"566f260197bf822e7263f1a3667caa2f\"><\/ins>\n     <script async src=\"\/\/ads.metrike.com\/asyncjs.php\"><\/script>\n     <script async src=\"https:\/\/cloud.metrike.com\/analytics\/a.php?domain_name=politiciando.com.br\/&#038;campaign_id=10518&#038;zone_id=7400\"><\/script>\n     <!\u2014 FIM TAG \u2014>\n\n\n\n\n<h2 class=\"wp-block-heading\">Faturamento<\/h2>\n\n\n\n<p>O MPO s\u00f3 pode ser contratado por tr\u00eas tipos de empreendedores: informais com renda mensal de at\u00e9 R$ 30 mil, microempreendedor individual (MEI) com faturamento de at\u00e9 R$ 81 mil por ano ou microempresa com faturamento de at\u00e9 R$ 360 mil por ano. O contratante n\u00e3o pode ter mais de R$ 80 mil de d\u00edvidas com bancos e outras institui\u00e7\u00f5es financeiras, exceto no caso de opera\u00e7\u00f5es de cr\u00e9dito habitacional.<\/p>\n\n\n\n<p>Voltada \u00e0 amplia\u00e7\u00e3o da capacidade produtiva, esse tipo de linha de cr\u00e9dito pode financiar a melhora do fluxo de caixa (capital de giro). O MPO tamb\u00e9m pode ser usado para a compra de equipamentos, m\u00f3veis, ferramentas e demais itens necess\u00e1rios ao funcionamento da atividade econ\u00f4mica.<\/p>\n\n\n\n\n<!\u2014 INICIO TAG \u2014>\n     <!\u2014 \n     Id: 7400 \n     Campanha:  PANDEMIA\n     Server: Metrike \n     Ve\u00edculo:  POLITICIANDO \n     Cliente: GOVPB   \n     Formato: POLITICIANDO - 300X250 \n     Data de Veicula\u00e7\u00e3o: 05\/11\/2020 - 30\/11\/2020\n     \u2014>\n     <ins data-revive-zoneid=\"7400\" data-revive-id=\"566f260197bf822e7263f1a3667caa2f\"><\/ins>\n     <script async src=\"\/\/ads.metrike.com\/asyncjs.php\"><\/script>\n     <script async src=\"https:\/\/cloud.metrike.com\/analytics\/a.php?domain_name=politiciando.com.br\/&#038;campaign_id=10518&#038;zone_id=7400\"><\/script>\n     <!\u2014 FIM TAG \u2014>\n\n","protected":false},"excerpt":{"rendered":"<p>Pequenos empreendedores podem contratar opera\u00e7\u00f5es sem ir \u00e0 ag\u00eancia Os pequenos empreendedores podem contratar opera\u00e7\u00f5es de cr\u00e9dito diretamente pelo&nbsp;smartphone. O<\/p>\n","protected":false},"author":1,"featured_media":2725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aplicativo do Banco do Brasil passa a oferecer microcr\u00e9dito produtivo - Politiciando<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/politiciando.com.br\/?p=2724\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Aplicativo do Banco do Brasil passa a oferecer microcr\u00e9dito produtivo - Politiciando\" \/>\n<meta property=\"og:description\" content=\"Pequenos empreendedores podem contratar opera\u00e7\u00f5es sem ir \u00e0 ag\u00eancia Os pequenos empreendedores podem contratar opera\u00e7\u00f5es de cr\u00e9dito diretamente pelo&nbsp;smartphone. 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