Michelle Morais assumed the management of Duofertil – a fertilizer company – in 2006, a challenging moment for the family. With the death of her father, she and the two sisters had to take the lead.
With strong performance in agribusiness, a sector subject to climatic risks, logistics crises and high price volatility, she saw in financial diversification a way to protect the company’s cash. This is how, by finding out of business and studying the best ways for the company, from 2015, Michelle found a good opportunity in XP Empresas to apply the resources obtained with his business.
“These applications act as a business emergency reserve,” says Michelle. The businesswoman says she sought XP companies with the objective of giving greater profitability to the standard capital and, above all, reducing the dependence on the business activities of the business and the risk provided by them. “We have a strategic look for the business and for creating profitability sources that balancing the risk of the business.
Strategic look at the business
In addition to Duopértil, Michelle also manages the Distillery Senhor do Bonfim and CBM Farm, which operates with cutting and reforestation livestock. All have accounts at XP Enterprises, which allows the manager to strategically apply according to the profile of each CNPJ and the liquidity needs of each operation. “We have a very diverse investment portfolio. When I need liquidity, I don’t leave so much money on the table,” explains the businesswoman.
With the help of XP Enterprises advisors, Michelle defines which products to apply the company’s resources, considering income, term and tax burden. Executive choices include investments in CDBs, fixed and variable income funds, and Fiagro – an agribusiness background, among others.
But the experience with the financial market did not come from the cradle. She says she had to study and find out not only about the activity performed in the countryside, but also how to make the money stopped. “It was my financial awareness work, because even if I was an administrator I did not understand the market, our financial education is very small in the country,” says the director, who even took a specialization course in finance.
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With this, it also implemented in companies a professional financial management, such as annual budget creation and better cash flow control.
She says she has been closely following the market movements targeted to Agro, something that has been evolving. “The financial market has never understood agro much, but this is changing. Today, they are more open to talking about business opportunities,” he notes.
Support for entrepreneur and rural producer
According to Vivian Sesto, Head of commercial actions of XP Empresa, the institution’s proposal goes beyond the simple offer of financial products, seeking to democratize access to solutions that really meet the needs of customers.
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“Our goal is to establish a close connection with the customer, warning them of the financial and operational risks that can affect your company. Through an advisory and informed approach, we seek to use available financial instruments as effective tools to mitigate these risks,” he explains.
XP Companies’ performance covers from investments, credit solutions, anticipation of receivables, exchange protection, insurance in various modalities, tax review and complete financial advice, adopting a personalized service model and focused on the client’s financial education.
Vivian stresses that the XP Companies approach prioritizes guidance on how to use each financial solution to improve cash management.
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“The company will only have to resort to debt if it is facing financial difficulties or lacking proper planning. Our role is to help prevent unnecessary risk through a structured investment policy that allows cash to work in favor of the business,” he says.
For agribusiness companies, such as Duopértil, this approach is even more relevant. Vivian points out that Agro accounts for about 25% of Brazilian GDP and more than 50% of our country’s total exports.
“The rural producer faces significant challenges related to commodities and market risks, such as variations in soybean, corn and ox prices. Therefore, our work is to offer solutions that provide protection and greater predictability for these customers,” adds XP Empresa expert.
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As part of the effort to further strengthen the relationship with this strategic sector for the Brazilian economy, Vivian highlights the XP initiative, being the official sponsor of Gafff, the largest agro culture festival in the world, which will be held in Sao Paulo on June 5 and 6. During the event, XP will feature experts dedicated exclusively to the service of clients in the agricultural sector.
According to Vivian Sesto, XP’s participation in the event reinforces the institution’s commitment to offer solutions aimed at supporting the financial management of farmers, as well as highlighting the importance of the agricultural sector for the Brazilian economy.
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