is entitledCan obtain resources from BNDES Microcredit theenterprising individuals and companies from small productive activities, ie,those who obtain gross revenues not exceeding 240,000 in each calendar year.The funds are intended always to finance workingcapital and / or fixed productive investments, such as civil works, purchase ofmachinery and new and used equipment, and purchase of supplies and materials.2.1. As givesupportSupport is done indirectly, through the financing ofproductive microcredit institutions (financial institutions or OSCIP) that passthe funds directly to micro entrepreneurs.The financing amount and interest rate are determinedby the agent repassing microcredit,according to pre-established limits. As the BNDES does not act directly onsupporting micro entrepreneurs, interested parties should address the transferagents of microcredit your city / region, which will also consider grantingcredit and the financing conditions. Encourage the creation of jobs and income amongmicro entrepreneurs popular. Provide resources for productive microcredit. Provide technical support to productive microcreditinstitutions, with a view to strengthening these institutions to provideservices to entrepreneurs popular.Under the PNMPO, micro-entrepreneurs are consideredpopular individuals and legal entrepreneurial activities of small productive,with annual gross income of $ 120,000 (Amended by Decree 6607 of 21/10/2008).Since the productive microcredit loans is to meet the financial needs of thisaudience by using a method based on direct relationships with entrepreneurswhere economic activity is performed. To support the coordination andimplementation of the Program e Committee was created Inter ministerial PNMPO,which is composed of representatives of the Ministries of Labor, Finance andSocial Development and Fight against Hunger.What are the goalsof PNMPO? Encourage the creation of jobs and income amongmicro entrepreneurs popular. Provide resources for productive microcredit. Provide technical support to productive microcreditinstitutions, with a view to strengthening these institutions to provideservices to entrepreneurs popular.What is ProductiveMicrocredit? What is the productive microcredit loans to meet thefinancial needs of individuals and corporations to entrepreneurial smallproductive activities, using a method based on direct relationships withentrepreneurs where economic activity is performed, should be considered, alsothat: the service to the entrepreneur should be done by trained personnel to performthe socioeconomic survey and provide educational guidance on business planning,identifying needs for credit and management focused on the development of theenterprise; the contact with the entrepreneur must be maintained throughout thecontract period accent, aiming at its best use and application as well as thegrowth and sustainability of economic activity, and the value and the credit terms must be defined after the assessment ofthe activity and the ability of the borrower's indebtedness end resources, inclose dialogue with this.PANORAMAThe institution of the General Law of Micro and SmallEnterprise (Supplementary Law. 123/06) gave special treatment to smallbusinesses. The micro entrepreneurs individual l integrates this movement. From2009, the conditions for the formalization of business was greatlyfacilitated: the internet, the entrepreneur can get your fill CNPJ after aquick registration.Thus emerge a new customer segment, with its owncharacteristics - and different - from micro and small enterprises. To meetthis new customer, find out what their needs, their behavior, what are yourexpectations for the future and for the correct direction of care, even in20011 was held the last survey attached to the business plan.The micro entrepreneurs Individual demand a differenttreatment accorded to micro and