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Master's Dissertation
DOI
10.11606/D.18.2016.tde-11052016-145448
Document
Author
Full name
Mário Iwazaki
Institute/School/College
Knowledge Area
Date of Defense
Published
São Carlos, 2004
Supervisor
Committee
Escrivão Filho, Edmundo (President)
Mendonça, Paulo Sérgio Miranda
Nagano, Marcelo Seido
Title in Portuguese
Análise do processo de escolha de crédito bancário: uma enquete nas pequenas empresas da indústria gráfica do Distrito Federal
Keywords in Portuguese
Comportamento do consumidor industrial
Pequena empresa
Sistema de crédito financeiro
Abstract in Portuguese
O objetivo deste estudo consistiu-se em analisar os fatores influentes no comportamento de compra industrial, na situação de decisão de crédito bancário em pequenas empresas. Para tanto, foram entregues questionários a doze empresas da indústria gráfica, selecionadas pelo número de empregados (de 20 a 100 - pequenas indústrias, segundo o critério do IBGE), localizadas no Distrito Federal e associadas ao sindicato da categoria. De acordo com resultados obtidos por meio do levantamento de campo, as conclusões desta pesquisa puderam ser exploradas tendo-se como base três pontos principais: a) os resultados relativos aos fatores influentes no comportamento do consumidor industrial, tais como os referentes a importância da localização geográfica do fornecedor, dos seus recursos tecnológicos e da redução, pelos compradores, dos riscos percebidos nas decisões de compras, dentre outros que mostraram-se condizentes com as pressuposições do modelo de comportamento do mercado industrial adotado; b) a discussão relativa à situação de decisão de crédito bancário, baseado na literatura pesquisada. De acordo com os resultados, puderam-se detalhar os aspectos relativos aos atributos dos bancos e do crédito, destacando-se, dentre outros, a importância da imagem da instituição financeira, da qualidade do gerente de contas e do custo dos empréstimos e financiamentos; c) as especificidades da pequena empresa, que puderam ser visualizadas nos resultados da pesquisa de campo como, por exemplo, a estratégia intuitiva e pouco formalizada, a situação extra-organizacional incontrolável e a racionalidade político-econômico-familiar do pequeno empresário.
Title in English
The analysis of banking credit process of choice: a survey from the small enterprises of printing industry in the Brasília region
Keywords in English
Financial credit system
Industrial consumer behavior
Small enterprise and small business
Abstract in English
The objective of this study was to analyze the factors that can be able to influence the industrial buying behavior vis-à-vis the credit decision process in small enterprises. In order to achieve the objective, we delivered questionnaires to twelve enterprises located at the printing industry. These twelve enterprises were selected taking in consideration the number of employees from de IBGE criteria (20 to 100 employees are considered small enterprises). All of them are located in Brasília Region (Distrito Federal) and are members of the sector syndicate. According to the survey results, the conclusions of this research can be considered taking in consideration three main points: a) results related to factors that induce the behavior of industrial consumer. In this context, some results such as the importance of geographical localization and its technological resources and the importance of buyers' perception about decreasing in risks when facing buying decision, among others results, were realized in agreement with the presuppositions of the industrial market behavior model; b) the discussion related to the situation of banking credit decision, based in the literature researched and, according to the results, we could describe, in detail, the aspects related to the attributes of banks and credit. In addition, we can emphasize the importance of financial institutions image, the quality of bank account manager and the cost of loans; c) the small enterprises features could be shown in the survey results, for example: the strategies are intuitive and non-formal; the extra-organizational factors are uncontrollable and the business rationality follows the feeling of the small entrepreneur, among other elements.
 
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Publishing Date
2016-05-11
 
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