Almost half of young and emerging entrepreneurs of Brazil has between 81% and 100% of the income already committedaccording to a study by Serasa Experian released to .
The data reveals a scenario of relevant financial pressure within a group that brings together more than 2.6 million Brazilian women ahead of business.
According to the survey, 47.3% of these women operate with practically all of their income compromised and more than half have a monthly financial capacity of up to R$1,000.
“This indicates a more restricted financial margin to deal with unforeseen events or fluctuations in revenue”, says Giovana Giroto, CMO and vice-president of Marketing Solutions at Serasa Experian.
According to Giroto, “in this scenario, cash flow management and access to adequate credit become even more important to guarantee business continuity and stability in the long term”.
Behavior
Despite the high level of commitment, the group maintains a strong relationship with credit and digital consumption. THE research shows that around 45.1% use a credit card as the main payment method, 32.6% have an affinity with digital banks and 84% make purchases online.
Furthermore, almost 64% demonstrate adherence to profiles linked to flexible income, such as app-based drivers, indicating a search for financial supplementation and models that are more adaptable to the seasonality of the business.
Income is concentrated in the lower brackets: 38.4% earn up to R$2 thousand per monthwhile just over 11% receive more than R$10 thousand.
More than half have a monthly financial capacity of up to R$1,000, which helps explain the high level of debt observed in the survey.
More than a third (34.3%) of female entrepreneurs are between 49 and 65 years old. The ranges of 39 to 48 years old (27.2%) and 29 to 38 years old (23.5%) appear next. Only 14.8% are between 18 and 28 years old.
“This data suggests that, for many Brazilian women, entrepreneurship is not necessarily the first professional choice, but a movement that takes place throughout their career path”, says the CMO.
The executive adds that more mature women tend to accumulate technical experience, market repertoire and relationship network, in addition to a clearer vision of risks and opportunities.
In a previous survey by the company, 46% of women cited time flexibility as the main motivation for entrepreneurship, in addition to the search for financial independence.
“This indicates that many are looking for a work model that allows them to better reconcile income, autonomy and personal demands”, he explains.
