United Nations              
Non-contributory Social Protection Programmes Database
Latin America and the Caribbean
Crescer Programme (2012- )



Date: 2012-
Web: Official website of the programme
Description: This programme created by the Federal Government seeks to encourage expansion, strengthening and formalization of micro enterprises as well as job creation and income generation through access to credit for small businesses, at low-interest rates. The loan amount ranges from R $ 100 to R $ 15,000 and the interest rate of 5% annually  (0.4% monthly). Under the program, microentrepreneurs have access to technical assistance. The program covers various fields of activity: traders, tailors, hairdressers, artisans.


Target population: Entrepreneurial low-income population, with a turnover of R $ 120 thousand per year (or R $ 10,000 per month)
Area of intervention: Support to self-employment
Geographic scale: National/ Urban areas
Targeting method: Categorical: formal and informal entrepreneurs as well as MEI' s entrepreneurs
Comments: The programme is also expected to increase the number of Individual Micro-entrepreneurs (MEI's) in the country.


Legal framework:
Responsible organization(s): Ministry of Finance
Executing organization(s): Public Banks (Banco do Brasil S/A; Caixa Econômica Federal; Banco do Nordeste do Brasil S/A – BNB; and Banco da Amazônia S/A – BASA).
Source of funding: Public funds

1) Microcredit

Recipient(s): All programme beneficiaries
Recipient of the transfer: Direct beneficiary
Description: Crescer programme provides credit to small micro-entrepreneurs. up to R$ 15,000, addressed to capital or investments. The term for loan repayment is fixed by the financial institutions, according to the type of business and the use of money. For example, if the credit is taken as capital and intended for daily operations of the business, the time to pay is up to 12 months; while credit used for investment (expansion, purchase of machinery) the maximum term is three years. Also each bank sets its own criteria of warranty, namely, when the value of the loan is small a guarantor is required and in the case of greater amounts that are used for investments, goods that are purchased may be required as loan collateral




Cooperation with:

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