Unprecedented survey shows the portrait of the Brazilian entrepreneur. They start to undertake earlier than men and 84.7% of them run the company alone. When it comes to credit, they have a good score for individuals, but for companies, the situation is proportionally inverse.
Of the 20.6 million active companies in Brazil, 8.4 million, equivalent to 40.5%, have women as owners or majority partners. This is what the unprecedented survey carried out by Serasa Experian points out in the month in which the World Women's Entrepreneurship Day is celebrated.
Of the total companies, 84.7% have a single partner while in the male universe, this percentage is lower, 77.4%. They start to undertake earlier than men, being 36,3% aged between 20 and 39 years. See the age comparison by gender in the chart below:
Companies with up to 2 years of operation are mostly managed by women (17.2%) than by men (14.2%). The highest rate of female representation occurs in the range of 3 to 5 years of existence, with 28.8% for females and 25.3% for males.
“We are focused on supporting entrepreneurship in the country. About 29% of businesses do not survive more than five years in Brazil and the essential pillar to revert this reality is to invest in financial health. This means giving more access to information, lines of credit and, mainly, education for sustainable development. Specifically regarding the female presence in the sector, it is imperative that we promote training so that more and more women have the opportunity to prepare to occupy these positions”, declares Cleber Genero, vice president of small and medium-sized companies at Serasa Experian.
When it comes to credit
When it comes to credit, around 70.0% of them have an individual score above 500, that is, lower chances of default and greater possibility of getting a loan, credit card, financing or installment plan, for example. When we look at the corporate score, the situation is the opposite. 79.7% of them have a corporate score below 400.
“What we observe is that although the habit of monitoring the PF Score is already a Brazilian habit, the same does not occur when he has a company and a PJ Score. Many mix personal and business finances. In addition, they are not in the habit of building a history of the business's ability to pay and do not monitor the company's score. Score PJ's concern should be the same with Score PF. A better score on the PJ score will help them when it comes to obtaining credit and directing them towards actions that improve the health of their businesses”, explains Genero.
Where do they work?
In the ranking of the top 10 sectors, clothing trade in general (10.7%) appears more frequently for them, and clothing industry in general as the lowest representativeness index (2.1%). Check out the complete survey in the chart below:
Entrepreneurship by region
The region that most concentrates businesses whose main partners are women is the Southeast (51.1%), followed by the Northeast (17.9%), South (17.4%), Midwest (9.1%) and North (4.4% ). In the analysis of the Federative Units (UFs) it is in São Paulo (27.8%) that most of the female enterprises are located, then comes Rio de Janeiro (10.6%), Minas Gerais (10.3%) and Paraná (6.6% ). See the chart below for the full ranking:
Serasa Experian in favor of business health
Maintaining the financial health of companies is one of the foundations for success. Therefore, businessmen must be attentive to finances, especially in the face of more complex economic scenarios. To help entrepreneurs structure their businesses, Serasa Experian has developed several services and solutions, in addition to an exclusive and free blog with business management, marketing and sales tips. Click here to learn more!
Methodology
The Study “Profile of the Brazilian Entrepreneur” was carried out by Serasa Experian based on internal company data that involve the analysis of 20,636,104 companies active in Brazil. The indicators analyzed were representativeness by gender, age CPF, CNPJ, percentage of participation, location by UF, size, billing and opening time of companies.
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