Hollard Moçambique facilita mecanismo de garantia de empréstimos para PME

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O Presidente da Comissão Executiva da Hollard Moçambique, Henri Mittermayer, arrancou, esta segunda-feira,  com o projecto-piloto para a implementação de um Mecanismo de Garantia de Empréstimos para Pequenas e Médias Empresas (PME), desenhado com o objectivo de apoiar as PME moçambicanas a obter financiamentos bancários. O projecto Credi-Seguro vai gerir este Mecanismo de Garantia de Empréstimos que irá assegurar os financiamentos concedidos por bancos e micro bancos às PME, implementados através de uma plataforma digital e tornados possíveis pelo estudo avançado de risco de crédito efectuado pelo Credi-Seguro.

Através do Credi-Seguro, as pequenas e médias empresas poderão submeter pedidos de crédito de forma digital e, sendo a análise positiva, a Hollard irá pré-aprovar uma garantia de empréstimo. Na plataforma online do Credi-Seguro, os bancos participantes terão acesso à base de dados de pedidos de empréstimos das pequenas e médias empresas, com informação já verificada e pré-aprovada pela Hollard. A base de dados contém a informação e documentação do cliente verificada, a avaliação de negócios, a pontuação de crédito e a garantia de empréstimo pré-aprovada. Os bancos terão, contudo, a total liberdade para realizar as suas próprias avaliações de crédito, caso considerem necessárias.

Para além da transferência do risco da garantia de crédito que a Hollard fornecerá, o Credi-Seguro receberá, ainda, apoio financeiro da Hollard para a fase piloto desta iniciativa.

A Hollard Moçambique é composta pela Hollard Holdings Moçambique, pela Hollard Moçambique Companhia de Seguros e pela Hollard Vida Companhia de Seguros e outras sociedades na qual tem participações sociais. E é subsidiária da Hollard International, que faz parte do maior grupo segurador independente da África Austral. O Grupo Hollard acredita que este projecto será o catalisador para uma iniciativa regional, com projectos semelhantes noutros países da SADC.

Mittermayer referiu que: “Estamos entusiasmados com as oportunidades que o Credi-Seguro cria para uma colaboração mais eficaz entre a Hollard Seguros e os bancos em Moçambique, expandindo de forma segura o crédito ao sector das PMEs. Esta é uma iniciativa empolgante e importante que vai apoiar a recuperação das pequenas e médias empresas, especialmente depois do impacto devastador que a pandemia da Covid-19 trouxe ao nosso mercado de negócios. Um projecto-piloto bem-sucedido permitirá que a Hollard Seguros implemente o produto em todas as regiões de Moçambique e, potencialmente, permitirá que o Grupo Hollard implemente produtos semelhantes no resto do continente africano”.

O Credi-Seguro é um projecto conjunto da Hollard Seguros e de uma equipa de especialistas moçambicanos e internacionais. A equipa internacional associou-se ao Sr. Prince Zandamela e à EKITALCI, que são especialistas em originação de crédito a PME no mercado moçambicano.

O projecto está pronto para a implementação, estando a equipa do projecto em negociações com diferentes bancos comerciais e de microcrédito para participação no projecto-piloto. O primeiro grupo de clientes de PME já foi considerado e está pronto para ser encaminhado aos Bancos como candidatos a empréstimos bancários. Os comentários iniciais dos clientes são positivos, principalmente em relação ao engajamento digital moderno.

Zandamela e Mittermayer garantem que este é “apenas o começo” e que a plataforma irá, em breve, permitir originação de baixo custo e avaliação de risco eficaz de qualquer parte de Moçambique e de todos os sectores da economia.






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