Crédito mal parado em Moçambique: dimensão, causas e soluções

Abstract

Credit is one of the instruments that institutions use to make their applications more profitable. When economic agents do not have sufficient resources to meet their needs for working capital or investments, they resort to credit. In these relationships, economic agents must use the credit granted to make their activities profitable in order to comply with the obligations inherent to it; for their part, banks seek to make their financial investments more profitable, thereby increasing their capacity to grant new loans. However, at the level of the national economy, there is an increase in bad loans. The purpose of this work is to identify the main causes of bad debts and to advance possible solutions; in order to allow economic agents to be successful in their activities, thus generating a solid financial system and driving economic development. The cmp is increasing over the period under analysis (this growth is more pronounced from 1996 to 1997); which leads us to try to understand the reason for this phenomenon. Thus, the main conclusion of the work is that the growth of the cmp is a consequence of poor management of the credit granted, inadequate criteria for evaluating the projects to be financed, high risk of the financed projects, weak post-financing control, individualized decision-making processes, and weakness of judicial mechanisms for enforced collection. The cmp reduction must go through a good management of the credit granted by both the lender and the borrower. It must be ensured that the credit decision process is collective and shared. There should be a systematic control in post-financing. The study looks further. deeply one of the aspects of the causes of cmp from the perspective of the lender. Therefore, further analysis of the causes of cmp is recommended from the perspective of the borrower.