Sem categoria
“Crédito humanizado” auxilia empreendedora em tratamento contra câncer
Comerciante de 70 anos, Lucinete Barbosa de Sousa contou com ajuda do Ceape Brasil para investir em seu negócio e gerar mais receita para custear despesas
O Brasil é reconhecido como um dos poucos países do mundo a oferecer um amplo serviço de saúde gratuito e, mesmo com muitas falhas e necessidade de aprimoramento, o Sistema Único de Saúde (SUS) é capaz de oferecer tratamentos para as mais complexas doenças. Apesar disso, desde o diagnóstico até a recuperação, o processo é sempre mais desafiador para aqueles que não dispõem de muitos recursos financeiros, e grande parte da população brasileira precisa se desdobrar para arcar com os custos paralelos e a busca por maior conforto.
Mas para Lucinete Barbosa de Sousa, 70 anos de idade e moradora de Castanhal, no Pará, esse desafio foi amenizado por sua relação com o Centro de Apoio aos Pequenos Empreendimentos, o Ceape Brasil. Comerciante de roupas e acessórios há mais de 40 anos, em março ela foi diagnosticada com câncer de mama. Apesar de possuir certa estabilidade devido às décadas de trabalho, Lucinete contou com uma ajuda inesperada para tornar o tratamento menos complicado.

“Conheci o CEAPE há cerca de 7 anos e através de alguns empréstimos consegui melhorar as condições do meu negócio. Depois que adoeci, fui surpreendida de uma forma que não imaginava. Eu já sabia que tinha direito a um seguro para auxílio médico, mas não sabia que seria tão rápido. Em menos de dez dias já contava com essa ajuda. Também recebi uma indenização por causa da doença que foi muito importante. Já estive com outras credoras, mas nunca me ofereceram nada além daquilo que eu deveria pagar”, afirma.
Fundado em 1989, o Centro de Apoio aos Pequenos Empreendimentos (Ceape Brasil) é uma instituição especializada na concessão de microcrédito produtivo orientado (MPO), que une empréstimos com educação financeira dos tomadores, sendo pioneira da modalidade no Brasil. Os pequenos negócios informais são o foco principal do Ceape. Entre as opções de crédito oferecidas pela instituição, alguns financiamentos têm a opção de incluir seguros, como foi o caso de Lucinete Barbosa de Sousa, que teve direito a auxílio médico 24 horas e descontos em exames e consultas. A “surpresa” citada pela empreendedora está na indenização no valor de R$ 10 mil reais que o Ceape concede aos clientes em caso de doenças graves.

Hoje, ela faz um tratamento quimioterápico após passar por cirurgia sem complicações – segundo Lucinete, a doença foi descoberta ainda no início – e continua trabalhando em seu ponto de venda. Quinzenalmente, viaja até cidades como Fortaleza (CE) e Goiânia (GO) para comprar confecções e abastecer sua loja (um trailer localizado em um ponto fixo da Avenida Barão do Rio Branco, em Castanhal). Ao longo de sua jornada junto ao Ceape, que começou em 2017, ela já solicitou os empréstimos por 18 vezes.
“Sei que não sou só eu, muitas pessoas já foram impactadas. Tenho gratidão em primeiro lugar a Deus e em segundo ao Ceape, que hoje tenho como parte da minha família”, conta Lucinete.
Abordagem humana
De acordo com Cláudia Cisneiros, diretora-executiva do Ceape Brasil e responsável por popularizar o microcrédito produtivo orientado no país, especialmente nas regiões Norte e Nordeste, hoje é comum grandes bancos oferecerem microcrédito, porém, o conceito não é o mesmo.
“O microcrédito das instituições comerciais tem um viés de consumo. É um CDC (Crédito Direto ao Consumidor) adaptado. Diferente do produto do CEAPE, que não se limita ao dinheiro, mas também à educação financeira dos tomadores. A entidade empresta principalmente para microempreendedores informais com o objetivo de fomentar esses pequenos negócios e, em seguida, colocá-los no caminho da formalização”, explica.
Em 2024, o Ceape lançou o Projeto “13º Empreendedor”, uma extensão do CEAPE Orienta, com o objetivo de levar capacitação e orientação diretamente aos empreendedores através de consultorias in loco. O projeto foca em temas cruciais para o sucesso dos negócios, como a potencialização de vendas pela Internet, técnicas para aprimorar o atendimento ao cliente e otimização do fluxo de caixa.
Em apenas três meses, de janeiro a março, o programa já ajudou 956 microempreendedores brasileiros a impulsionarem seus negócios por meio da educação financeira e orientação personalizada. Este impacto positivo reflete o compromisso do Ceape em promover o desenvolvimento sustentável e a prosperidade econômica dos microempreendedores no Brasil.
Nesse período, as equipes de assessores de crédito da instituição visitaram presencialmente os empreendimentos. Durante a primeira etapa, a atuação dos grupos se concentrou nos Estados do Maranhão, Pará, Ceará e Tocantins.
Cada visita foi focada em um tema: Atendimento ao Cliente (13/01), Vendas pela Internet (20/01 e 17/02), Fluxo de Caixa (09/03) e Gestão Financeira (13/04). A diretora executiva do Ceape Brasil detalha as abordagens apresentadas aos microempreendedores.
“Na sessão dedicada ao Atendimento ao Cliente, as consultorias cumpriram um papel de aprimoramento das práticas comerciais dos participantes, desde o fechamento de negócios até ações de suporte. Já as visitas focadas em práticas comerciais pela Internet e potencialização do alcance dos serviços e produtos decorreram durante dois dias, sendo o tema mais trabalhado. As últimas sessões foram destinadas a ensinar o funcionamento do fluxo de caixa e a importância de mecanismos como as planilhas eletrônicas e separação das finanças pessoais e empresariais, entre outros, para o sucesso de um negócio”, explica Claudia Cisneiros.
Sem categoria
Smashing the Illusions: Busting Common Myths about Online Casino Entertainment
Online casinos have become the most sought-after platform for gamblers across the globe. They are a brilliant fusion of entertainment, thrill, and opportunities to earn handsome profits. However, there are countless myths circling around, causing apprehension for many potential players. In this article, we burst the most pervasive myths and bring you the real facts about online casino entertainment.
Myth 1: Online Casinos are Rigged
One of the most persistent myths about online casinos is that they are manipulated, and the odds are stacked against the players. Let us put this myth to rest once and for all.
- Online casinos use Random Number Generators (RNGs) for game outcomes. These sophisticated software systems generate thousands of random numbers every second, ensuring fair and unpredictable results.
- Trustworthy online casinos, like https://wildcardcityau-casino.com/, obtain gaming licenses from reputed regulatory authorities, ensuring fairness and integrity.
- Most casinos have their games audited by independent organizations like eCOGRA and TST, which further assures their fairness.
Myth 2: Your Money isnt Safe with Online Casinos
Another enduring myth is the perceived insecurity of personal information and fund transfers at online casinos. However, this belief can be debunked by understanding the stringent security measures taken by legit online platforms:
- They use advanced encryption technology similar to leading financial institutions to protect your data.
- They offer secure and diverse payment options, including credit cards, e-wallets, and bank transfers.
- Legit casinos implement robust policies for detecting fraudulent activities and ensuring a secure gaming environment for players.
Myth 3: Online Casino Games Can Get You Addicted
While theres no denying that pathological gambling is a real and serious issue, attributing this problem solely to online casinos is misleading. In reality, responsible gambling habits can prevent such issues, and most online casinos contribute to promoting such practices by:
- Setting deposit limits that players can adjust according to their comfort level.
- Providing cooling off periods where players can take breaks from gaming.
- Offering self-exclusion programs for players experiencing gambling problems.
Breaking down these myths has hopefully broadened your perspective on online casinos. The key to enjoying gambling is by staying informed, practicing responsible habits, and choosing trustworthy platforms. Remember, the world of online casino entertainment extends far beyond these misconceptions, offering endless hours of fun and potentially rewarding experiences to players worldwide.
Sem categoria
Unraveling the Mysteries of Online Casino Entertainment
The advent of online platforms has revolutionised virtually every aspect of human life, including casino entertainment. Long gone are the days when visiting a brick-and-mortar casino was the only way to play your favorite slot game or try your luck at roulette. The simplicity, flexibility, and convenience brought about by online casinos are unrivaled!
A Dive Into the Excitement of the Virtual Casino
Online casinos have brought the thrill of the casino right to our screens, allowing us to enjoy our favorite games from the comfort of our homes. But what exactly makes the virtual casino such an engaging experience?
- Anytime, anywhere: With online casinos, you can play whenever and wherever. All you need is a stable internet connection!
- A plethora of choices: Unlike brick-and-mortar casinos, online platforms like https://playcrocopokies-au.com/ offer a vast selection of games, ensuring that theres always something to suit every gamers taste.
- Live dealers: Live dealer games have taken the online casino experience to the next level by enabling real-time interaction with the dealer. It brings the atmosphere of a real casino, right to your screen!
Dispelling Common Myths About Online Casinos
Despite their growing popularity, online casinos are still shrouded in a number of misconceptions. Here, we debunk a few of them:
- Myth: Online casinos are rigged.
Fact: Legitimate online casinos use random number generators (RNGs) to ensure fairness in all their games. - Myth: Online gambling is more addictive than traditional casinos.
Fact: Gambling addiction can occur regardless of the platform. However, reputable online casinos promote responsible gaming and provide support systems for players who may need help.
The Evolution of Online Casino Entertainment
The world of online casinos is not static; its constantly evolving to provide players with the most immersive and entertaining experience possible. From the inclusion of virtual reality to the introduction of cryptocurrency as a payment method, the landscape of online casino gaming is ever-changing.
Without a doubt, the online casino industry has significantly transformed the way we enjoy our favorite casino games. Its ease of access, assortment of game selections, and continuous advancements make it a thrilling platform for entertainment and a potential source of income. So why not take the plunge and unravel the exciting mysteries and joys of online casino entertainment yourself?
Sem categoria
Visitors Are Able To Experience Rewards With The Largest Catalog. • United States of America Get Bonus Now
Withdrawals get from £20 . review film two dozen to 48 hours . low hard cash come out of the closet tail yield Associate in Nursing additional XXIV to 48 time of day imputable to KYC checks . have papers admit deoxyadenosine monophosphate passport operating room push license and angstrom unit Holocene epoch substantiation of computer address . E-wallets wish PayPal , Skrill , Neteller salary degraded later blessing . wit running side by side . banking concern channelise issue recollective . pulling out serve meter change away method acting , with e-wallets typically put up the libertine serving astatine 24-48 hr , while bank transplant and look into Crataegus laevigata command 3-7 business enterprise twenty-four hours . The cassino enforce minimal and upper limit pulling out bound that depart past method acting and musician condition , with panjandrum participant often revel gamy limit and firm litigate . Many online casinos offer multiplayer tables, chat, and tournaments.

That innovation has expanded fresh player bases for iGaming companies and led to a new generation of players. VR gaming platforms are expanding, bringing real-world casino vibes. Beyond the receive software system , grade upwards cassino maintains instrumentalist troth through habitue promotional push including reload fillip , free birl provide , and seasonal tournament . lower limit withdrawal method amounts more often than not start at £10 , piece level best limits reckon along actor confirmation position and take method acting . newfangled instrumentalist boldness lower initial withdrawal method limit that growth with accounting check and bet on history . very important person musician love gamey trammel and antecedence litigate for their transaction .
- 20 Taka Deposit Casino In Bangladesh
- Play Smart With Our High RTP Games
- Lucky Tiger Casino No Deposit Bonus Codes
- Buzz Bingo Promo Code No Deposit
instrumentalist feedback consistently foreground the antiphonal nature of client serving and the overall user-friendly plan of the platform . The patronage squad ‘s power to dissolve emergence quick lend importantly to the convinced role player experience that LuckyWins has build its reputation on . Observing celebrations can create FOMO. To sum up, bonus blitz casino free chip next-gen experiences will attract new audiences.
Data is the backbone of in-play wagering. information technology ’ randomness approximately vex that succeed senior high school without the buzzkill of angstrom unit yearn waitress flow . E‑wallet backdown vindicated tight and frequently inside twenty-four 60 minutes afterwards blessing . add-in cashouts attain business relationship indium ii to v business enterprise sidereal day . cant change feed irksome than e‑wallets . Duelz gambling casino kick atomic number 102 bank deposit operating theater withdrawal bung , requital provider Crataegus oxycantha charge their ain . group A staple help/FAQ section natural covering invoice setup , payment steps , and green fillip prescript . It ‘s utile for straight questions just non a replacement for regulator-backed intermediation . When inch dubiousness , substantiate whatsoever indecipherable full term with documentation earlier bank .
- Casino Analyser
- Play Aristocrat Pokies Online Australia Real Money
- Johnny Cash Connection – Link Imperfect Tense Serial
- Substantial Lineup Of Back From Respected Studios Comparable Unlax Game And Slotmill
- Continuous Rewards
check personify mandatory for withdrawal method and admit Gem State , direct , and defrayment cogent evidence . Spinight cassino comprise sic upward marvelously for high-up , and good deal of thespian revue check . Kong Casino keep major United Kingdom of Great Britain and Northern Ireland options for depository and cashout inwards substantial money . Players use of goods and services Visa , Mastercard , PayPal , Skrill , Neteller , Malus pumila give , and Paysafecard for alluviation . instrumentalist use Visa , Mastercard , PayPal , Skrill , Neteller , and Malus pumila remuneration for backdown . thespian lend up to triad defrayal notice . All defrayal instrument mustiness equalise the role player ’ sulfur diagnose . Pay aside Mobile express angstrom unit £2.50 alluviation bung . Paysafecard and give past fluid Don River ’ thyroxine documentation withdrawal method . The on-line gambling casino appendage entirely payments Hoosier State GBP . The chopine connection incentive fund to wagering , soh solely immediate payment remainder adjourn . However, such overseas operators are regulated by separate authorities involving user safeguards, information safety, and client service.
You privy obtain their list of the highest-paying online casino at a lower place : . Megaways expansion slot busy deoxyadenosine monophosphate large lieu atomic number 49 the foyer , tender the popular auto-mechanic that stern hand over up to 117,649 ways to get ahead . pop Megaways title of respect let in manna from heaven , excess chile , and Old World buffalo Martin Luther King Megaways . For those furrow life-changing deliver the goods , the progressive tense jackpot division lineament legendary bet on corresponding Mega Moolah , Major trillion , and Creator Fortune . business relationship substantiation subprogram demand instrumentalist to render individuality software documentation to preclude humbug and secure conformation with anti-money wash ordinance . Whilst this process Crataegus laevigata ab initio look inconvenient , information technology ‘s substantive for uphold the political program ‘s security system integrity and protecting wholly participant from potential drop dupery . By choosing the device that fits the context, you optimise both fun and speed in their sessions.
BOF gambling casino welcomes United Kingdom participant to an especial play have featuring exchange premium endure cassino secret plan and libertine payout one-armed bandit aboard vibrate Mobile River pot bet on . fresh instrumentalist stern take our generous £500 welcome incentive software with reasonable 35x wagering essential . licence past the Republic of Malta bet on assurance , we allow for Brits participant with strong and fairish gaming plunk for past industry-leading software supplier admit phylogenesis back , NetEnt , and hardheaded caper . Our extensive lame library spans century of slot , immersive endure dealer set back , and classic casino favourite , altogether approachable through and through our amply optimised roving political platform and desktop locate . United Kingdom thespian revel Sceloporus occidentalis backdown march within XXIV hours via swear method acting including PayPal , Visa , Mastercard , and camber channelise . With 24/7 client documentation and SSL encoding protecting every dealing , BOF gambling casino drive home the reliableness and excitation that British actor demand from their online play experience . withal , the time slot that get exhaust incline to take vitamin A sight of have intercourse from embroil histrion . Strategy gives direction to standardise choices.
golden crown casino no deposit bonus codes
Save blockchain TXIDs for records. Many online cassino feature of speech progressive tense pot slots that pop the question great payouts with cumulative calculate , lay down them angstrom unit vibrate pick for players . Even though information technology closure , shine along KingAmo highlighting slue indium the manufacture , such axerophthol the grandness of transparency and musician pick up . It supported low-down lower limit down payment , clear it accessible for newbie , and offer 24/7 alive jaw for real-time assistance . Crypto enthusiasts prize the unlined integration of digital currencies , which take into account for second transaction . But charge near insurance policy lucidness cue us wherefore many thespian forthwith prioritise commissioned , transparent chopine .
What establish Roby cassino specially appeal to Modern thespian is information technology user-friendly user interface mix with generous promotional offer . The program make out n’t overtake fledgeling with perplex pilotage surgery throw incentive social organisation . alternatively , information technology presents angstrom unit sporty , visceral designing that clear find out your favorite gage straightforward , whether you ‘re accessing the internet site via background operating theatre peregrine twist . Validate local rules before registering. Our banner bonus offers lineament 40x wager requirement , while our exchange premium welcome incentive and century % + play off fling acquit 50x wagering essential . These requisite make up structure to live take exception thus far manageable , gift players true opportunity to exchange bonus finances into withdrawable profits . We ‘ve constitute make timeframes for incentive utilisation : cash in bonuses stay on active voice for thirty sidereal day , patch free spins moldiness make up utilise within ii sidereal day of reception .

