undertake it's not easy at all! To make this process a little easier, the city of São Paulo launched a line of credit up to R$ 21,000 for black entrepreneurs in the city. Resources can be requested both by self-declared black or brown entrepreneurs formally constituted, with the National Register of Legal Entities (CNPJ), and by informal ones.
The program is called "Empreenda Afro" and offers credit from R$ 200 to R$ 21 thousand, with interest from 0.35% to 0.55% per month for formal entrepreneurs, with a term of up to 48 months. For the informal ones, amounts of up to R$ 15,000 are available, with interest of 0.8% per month and a term of up to 36 months.
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The money will be made available by the São Paulo Development Agency, and the project is carried out through an agreement with Banco do Povo, the state government's microcredit program.
Find out how to apply
To request the money you need:
- Not having restrictions in the Informative Register of Unpaid Credits of the Federal Public Sector (Cadin);
- No restrictions on Serasa regarding the National Register of Legal Entities (CNPJ) and Individual Taxpayer Registration (CPF) of all partners;
- Take one of the training courses indicated by the program;
- Not having another loan with Banco do Povo in progress;
- Accept to receive a visit to confirm the capacity of the business.
The credit request can be made by filling out a resource interest form.
Racial equality and combating discrimination
Public policies for blacks are implemented by the government with the aim of promoting racial equality and combating discrimination and racism. These policies generally cover areas such as education, employment, health, housing and justice, aiming to guarantee access and inclusion of these people in all aspects of society.
However, it is important to remember that public policies alone are not enough to eradicate racial inequality. Cultural and behavioral changes are also needed in society as a whole.
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