A gestão de riscos de crédito em agência de fomento: eficácia na minimização de perdas na concessão de financiamentos

Abstract

This work focuses on a study on risk management in the analysis and granting of resources at a development agency in the state of Amazonas. Credit risk, defined as the product of the probability and magnitude of the occurrence of an event, affects people's reactions and perceptions in the face of uncertain events, which in this work is the payment of the debt. As AFEAM is a public company, it plays a crucial role in making decisions that involve risks, and it is essential that employees are prepared to manage them effectively. Currently, many people to start in the business of entrepreneurship resort to credit in development agencies, which is a common practice in the State since it has advantages: low interest rates in addition to moving the capital of the city that are inserted, generating jobs and competition. In addition, there are already consolidated companies that seek resources to maintain their businesses in order to expand their activities. Therefore, all this requires that the development institutions establish consistent and reliable criteria for analyzing the feasibility of granting credit, establishing their risks and controlling them according to pre-established standards. Thus, as can be seen in this research, the evaluation of the credit portfolio is of great importance for the analysis of possible credit borrowers in terms of minimizing risks. Knowing how to identify and measure credit risk is essential for development agencies, as it ensures their permanence in the market that stimulates the development of the productive sectors of the Amazonian economy and the improvement of the population's quality of life, contributing to the generation of jobs and income. This research is characterized as qualitative that is developed as a case study, having been carried out through bibliographic documentary research.