Queretaro, Qro. Micro, small and medium-sized enterprises (MSMEs) of the state will be able to access a pool of 155 million pesos in financing, through the Impulso Nafin + Estados program, which will be coordinated by Nacional Financiera and the Secretariat of Sustainable Development (Headquarters) local.
It is a credit system through the national bank, where the state government will provide the guarantee. Therefore, from this April 11, both dependencies opened validation certificates to acquire a loan in one of the 12 participating banks, which in a first stage have a portfolio of 155 million pesos.
According to information from the Headquarters, the credits may be for amounts of up to 5 million pesos; The state administration will serve as a guarantor in the request for a simple or resale bank loan.
The resource may be used for working capital or in the acquisition of fixed assets. Meanwhile, the maximum interest rate will be a fixed annual 13%, for a term of up to 60 months.
Queretaro It is the entity with the largest number of bond issues, which represents loans granted for a total of 660 million pesos.
The call states that individuals with business activity and MSMEs installed in the state may participate in this program; and who have been registered for at least two years before the Tax Administration Service (SAT).
It is aimed at strategic sectors such as the construction industry, household appliances, agribusiness, automotive, aerospace, information technology, chemicals, machinery and equipment, and business support services.
There is a grace period of up to six months, in interest and capital, the summons to the Headquarters.
The process can be carried out digitally, by filling out the prospectus validation card, through the official website of the secretariat (https://sedesu2.queretaro.gob.mx/impulsonafinqueretaro2022/); Subsequently, this document must be taken to the preferred bank, among the 12 participants, a financial institution that will be in charge of authorizing or rejecting the credit.
economic units
The economic censuses of 2019 reported 115,532 establishments accounted for in the state, which employed about 833,477 people, records from the National Institute of Statistics and Geography (Inegi) require.
However, the Study on the Demography of Businesses (EDN, 2021) -released at the end of 2021- revealed that in the last 27 months in the state 31.08% of establishments died, with respect to the number of units reported in the 2019 economic census
In Querétaro, this percentage of business mortality was higher than the 2020 indicator, when it was around 22.4% of deaths in establishments, by then, 17 months after the 2019 economic census.
Regarding employed personnel, in the last 27 months the proportion of employed personnel who stopped working due to the closure of establishments was 26.23% in the state; figure that is also higher than the 22.11% who stopped farming in 2020, 17 months after the 2019 economic census.