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A presente dissertação refere-se ao plano de negócios para a abertura e implementação de uma empresa que presta Assessoria Técnica e Financeira às Micro e Pequenas Empresas, através de suporte técnico e financeiro especializado, abrangente e direcionado para micro e pequenas empresas. Este projeto aborda o papel da assessoria técnica e financeira no fortalecimento das micro e pequenas empresas em Cabo Verde, sendo responsáveis pela geração de empregos e dinamização do mercado. No entanto, esses negócios enfrentam desafios significativos, como dificuldades de acesso a crédito, gestão financeira inadequada e falta de suporte técnico. Neste contexto, a assessoria técnica e financeira surge como um fator essencial para garantir a sustentabilidade e o crescimento dessas empresas. A assessoria técnica oferece suporte em planeamento financeiro, gestão de fluxo de caixa, obtenção de recursos, além de orientações para melhorar processos operacionais. A metodologia inerente ao desenvolvimento do presente projeto passará por uma revisão de literatura, pelo desenho e desenvolvimento da memória descritiva, por um estudo de mercado elaborado através de um inquérito por questionário e pela definição do plano de marketing. Serão também elaborados a análise SWOT e o Business Model Canvas e, finalmente, o plano financeiro (assente nos pressupostos definidos para o negócio), aspeto essencial que contribuirá para aferir acerca da viabilidade do presente negócio. Dessa forma, o projeto demonstra uma viabilidade económica e financeira positiva, evidenciada por uma Taxa Interna de Rentabilidade (TIR) de 35% e um Valor Atual Líquido (VAL) de 4.136.353$00, com o Prazo de Retorno do Investimento (PRI) de 4 anos e 1 mês.
This dissertation refers to the business plan for opening and implementing a company that provides Technical and Financial Advice to Micro and Small Enterprises, through specialised, comprehensive technical and financial support aimed at micro and small enterprises. This project addresses the role of technical and financial advice in strengthening micro and small enterprises in Cape Verde, which are responsible for generating jobs and boosting the market. However, these businesses face significant challenges, such as difficulties in accessing credit, inadequate financial management and lack of technical support. In this context, technical and financial advice emerges as an essential factor in ensuring the sustainability and growth of these companies. Technical advice offers support in financial planning, cash flow management, obtaining resources, as well as guidance to improve operational processes. The methodology inherent in the development of this project will involve a literature review, the design and development of the descriptive report, a market study prepared through a questionnaire survey and the definition of the marketing plan. The SWOT analysis and the Business Model Canvas will also be prepared, and finally, the financial plan (based on the assumptions defined for the business), an essential aspect that will contribute to assessing the viability of this business. Thus, the project demonstrates positive economic and financial viability, evidenced by an Internal Rate of Return (IRR) of 35% and a Net Present Value (NPV) of R$ 4.136.353, with a Return On Investment (ROI) of 4 years and 1 month.
This dissertation refers to the business plan for opening and implementing a company that provides Technical and Financial Advice to Micro and Small Enterprises, through specialised, comprehensive technical and financial support aimed at micro and small enterprises. This project addresses the role of technical and financial advice in strengthening micro and small enterprises in Cape Verde, which are responsible for generating jobs and boosting the market. However, these businesses face significant challenges, such as difficulties in accessing credit, inadequate financial management and lack of technical support. In this context, technical and financial advice emerges as an essential factor in ensuring the sustainability and growth of these companies. Technical advice offers support in financial planning, cash flow management, obtaining resources, as well as guidance to improve operational processes. The methodology inherent in the development of this project will involve a literature review, the design and development of the descriptive report, a market study prepared through a questionnaire survey and the definition of the marketing plan. The SWOT analysis and the Business Model Canvas will also be prepared, and finally, the financial plan (based on the assumptions defined for the business), an essential aspect that will contribute to assessing the viability of this business. Thus, the project demonstrates positive economic and financial viability, evidenced by an Internal Rate of Return (IRR) of 35% and a Net Present Value (NPV) of R$ 4.136.353, with a Return On Investment (ROI) of 4 years and 1 month.
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Keywords
Empreendedorismo Plano de negócio Micro e Pequenas Empresas Cabo Verde
