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Abstract(s)
A presente dissertação aborda e analisa uma perspectiva empreendedora no sector bancĂĄrio sobre o crĂ©dito malparado, atravĂ©s do estudo do caso da primeira sociedade de gestĂŁo e aquisição de crĂ©ditos de Angola, Recredit, SA - GestĂŁo e Participação de Activos, com base nos conceitos de empreendedorismo sustentados pela revisĂŁo da literatura. Entende-se que essa sociedade, em termos gerais, caracteriza-se como acto de empreendedorismo motivado pelo problema do alto Ăndice de crĂ©dito malparado em Angola, enquadrando-se no tipo de empreendedorismo por necessidade. O estudo baseia-se em analisar, compreender e comprovar uma perspectiva empreendedora no sector bancĂĄrio sobre o crĂ©dito malparado, especificamente, a dissertação tem como objectivos: a) apresentar e caracterizar a Recredit,SA, b) identificar e compreender os tipos de empreendedorismo em relação ao sector em estudo, c) perceber as motivaçÔes do empreendedor (Estado angolano, atravĂ©s do seu Executivo) que impulsionaram o investimento numa sociedade de aquisição de crĂ©dito, d) conhecer as maiores dificuldades e facilidades na gestĂŁo e aquisição do crĂ©dito? malparado, e) identificar as possibilidades de empreender no sector bancĂĄrio, f) compreender o empreendedorismo como ferramenta para o sucesso de empresas que pretendem investir no sector bancĂĄrio, e g) comprovar a influĂȘncia do empreendedorismo no crĂ©dito malparado. Com a aplicação de questionĂĄrio e entrevistas especializadas, mĂ©todo misto (qualitativo e quantitativo), levanta-se quatro(4) questĂ”es de investigação. Fundamentalmente, as conclusĂ”es desta investigação cientĂfica concentram-se nas respostas as questĂ”es levantadas, nomeadamente, as fracas garantias dos activos tĂłxicos que dificultam o sucesso dos resultados da Recredit, SA e, consequentemente, o seu carĂĄcter inovador; a falta de transparĂȘncia prejudica o processo empreendedor da primeira sociedade de aquisição e recuperação de crĂ©dito malparado; a competitividade, atravĂ©s da constituição de outras sociedades ou a internacionalização de empresas estrangeiras deste segmento para o mercado angolano, vai melhorar a condição do crĂ©dito malparado nacional. O empreendedorismo influĂȘncia no crĂ©dito malparado em Angola.
This dissertation addresses and analyzes an entrepreneurial perspective in the banking sector on bad debt, through the case study of the first credit management and acquisition company in Angola, Recredit, SA - Gestão e Participação de Activos, based on the concepts of entrepreneurship supported by the literature review. It is understood that this society, in general terms, is characterized as an act of entrepreneurship motivated by the problem of the high rate of bad debt in Angola, falling under the type of entrepreneurship by necessity. The study is based on analyzing, understanding and proving an entrepreneurial perspective in the banking sector on bad debt, specifically, the dissertation aims to: a) present and characterize Recredit, SA, b) identify and understand the types of entrepreneurship in in relation to the sector under study, c) understand the entrepreneur's motivations (Angolan State, through its Executive) that drove the investment in a credit acquisition company, d) know the greatest difficulties and facilities in the management and acquisition of credit? bad debt, e) identify the possibilities of entrepreneurship in the banking sector, f) understand entrepreneurship as a tool for the success of companies that intend to invest in the banking sector, and g) prove the influence of entrepreneurship on bad debt. With the application of a questionnaire and specialized interviews, mixed method (qualitative and quantitative), four (4) research questions are raised. Fundamentally, the conclusions of this scientific investigation focus on the answers to the questions raised, namely, the weak guarantees of the toxic assets that hinder the success of Recredit, SA's results and, consequently, its innovative character; the lack of transparency hinders the entrepreneurial process of the first bad debt acquisition and recovery society; Competitiveness, through the formation of other companies or the internationalization of foreign companies in this segment for the Angolan market, will improve the condition of national non-performing loans. Entrepreneurship influences bad debt in Angola.
This dissertation addresses and analyzes an entrepreneurial perspective in the banking sector on bad debt, through the case study of the first credit management and acquisition company in Angola, Recredit, SA - Gestão e Participação de Activos, based on the concepts of entrepreneurship supported by the literature review. It is understood that this society, in general terms, is characterized as an act of entrepreneurship motivated by the problem of the high rate of bad debt in Angola, falling under the type of entrepreneurship by necessity. The study is based on analyzing, understanding and proving an entrepreneurial perspective in the banking sector on bad debt, specifically, the dissertation aims to: a) present and characterize Recredit, SA, b) identify and understand the types of entrepreneurship in in relation to the sector under study, c) understand the entrepreneur's motivations (Angolan State, through its Executive) that drove the investment in a credit acquisition company, d) know the greatest difficulties and facilities in the management and acquisition of credit? bad debt, e) identify the possibilities of entrepreneurship in the banking sector, f) understand entrepreneurship as a tool for the success of companies that intend to invest in the banking sector, and g) prove the influence of entrepreneurship on bad debt. With the application of a questionnaire and specialized interviews, mixed method (qualitative and quantitative), four (4) research questions are raised. Fundamentally, the conclusions of this scientific investigation focus on the answers to the questions raised, namely, the weak guarantees of the toxic assets that hinder the success of Recredit, SA's results and, consequently, its innovative character; the lack of transparency hinders the entrepreneurial process of the first bad debt acquisition and recovery society; Competitiveness, through the formation of other companies or the internationalization of foreign companies in this segment for the Angolan market, will improve the condition of national non-performing loans. Entrepreneurship influences bad debt in Angola.
Description
Mestrado em GestĂŁo e Empreendedorismo
Keywords
Empreendedorismo Crédito malparado Sector bancårio Garantias bancårias Entrepreneurship Bad credit Banking sector Banking guarantees
Citation
Garcia, A. M. (2021). A influĂȘncia do empreendedorismo no crĂ©dito malparado: um estudo de caso da Recredit, SA. (Dissertação de mestrado nĂŁo publicada). Instituto PolitĂ©cnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. DisponĂvel em http://hdl.handle.net/10400.21/13973