Sistema financeiro em Moçambique: análise na perspectiva dos produtos bancários existentes para o financiamento das pequenas e médias empresas em Moçambique, no período de 2011 a 2022

Abstract

The main objective of this paper is to analyze the means of bank financing available to Small and Medium-sized Enterprises (SMEs) in Mozambique, taking into account the difficulties faced by this segment in obtaining credit. Considering the crucial role of SMEs in economic development and job creation, understanding the challenges and opportunities they face in relation to access to finance is of paramount importance. The research adopted a comprehensive approach, using mixed methods including an extensive literature review, interviews with representatives from the banking sector, surveys of SMEs and documentary analysis of information made available by banks and financial institutions. This process provided an in-depth overview of the Mozambican financial system and the banking products available to SMEs. The results reveal that banking products in Mozambique are not effectively aligned with the financing demands of SMEs, presenting a number of challenges they face when seeking financing, including onerous collateral requirements, high interest rates and bureaucratic procedures. In addition, comparative analysis with banking practices in Australia and Canada offered valuable insights into effective financing strategies for smaller companies. Based on these conclusions, measures are recommended to simplify credit granting processes, develop financial products more adapted to the specific needs of SMEs and invest in financial education and business training. These initiatives are essential for promoting the sustainable growth of SMEs in Mozambique, thus contributing to the country's economic development. (TRADUÇAO NOSSA)