The actions of the Federal Government to minimize the economic impacts caused by the coronavirus pandemic have already totaled R$ 227 billion, since February. So far, there are 28 provisional measures, such as MP 944/2020, which created a credit line of R$ 34 billion so that companies can pay salaries to their employees, for two months, during the pandemic. However, only companies that are up to date with the INSS will have access to credit.
To identify companies eligible to receive the benefit, Serpro made available the Business Intelligence Platform to banks so that credit can be provided to businesses. "With the consent of the Federal Revenue Service of Brazil (RFB) and the Attorney General's Office of the National Treasury (PGFN), we provide, within 24 hours, the service that allows banking institutions, before granting financing, to verify that the company has debts related to social security, which speeds up the concession process”, reports the Serpro relationship manager responsible for the project, Glaide Reverendo.
According to Glaide, the functionality ensures compliance with the law and avoids the need for businessmen to travel to a bank branch. The platform is already released, free of charge, for the use of banking institutions, being only required to sign the adhesion term, within the conditions established in the contract signed between Serpro and Febraban. Febraban estimates the number of companies that can benefit from the solution at more than 1.2 million, in addition to 17 million workers.
500 transactions per minute
THE Business Intelligence Platform of Serpro, from an informed CNPJ, verifies if the company has a certificate issued and within the validity period, or if the company does not have social security debts in the RFB and PGFN collection systems, which are maintained by Serpro and Dataprev. "The tool was defined for use by banking institutions, for exclusive use in compliance with the rules defined in MP 944/2020 and is capable of making up to 500 queries per minute, providing, instantly, an indicator of the existence of social security debts, both in the scope of the RFB and in the PGFN”, explains Glaide Reverend.
Emergency Jobs Support Program
THE Provisional Measure 944/2020, which institutes the Emergency Employment Support Program, aimed at carrying out credit operations for the purpose of paying payroll for small and medium-sized companies (annual turnover between R$ 360 thousand and R$ 10 million), has as a requirement that companies do not have debt related to Social Security.
The R$ 40 billion credit line will be available for two months. Of this total financed, 85% will be subsidized by the National Treasury. BNDES will take care of the operational part, transferring resources to the banks that hold the payrolls. Private institutions will bear the remaining 15%.
The interest rate will be 3.75% per year. There will be a six-month grace period and a 36-month payment period. During the two months of payroll financing, the company cannot dismiss employees with financed salaries.
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