ACREDITAR.MICROCREDITO

What ACREDITAR.MICROCREDITO does

Acreditar – Capital Humano e Transformação Social is a Brazilian non-profit civil association (associação sem fins lucrativos) founded in 2006 and headquartered in Glória do Goitá, Pernambuco, that delivers oriented productive microcredit combined with financial education and social development programs to low-income populations in the Agreste and Zona da Mata regions of northeastern Brazil. The organization operates three core microcredit products (Fundo As Marias for women, Fundo Jovem Empreendedor for youth aged 18–32, and Fundo de Fortalecimento a Atividades Produtivas for adults 32+), each offering loans ranging from R$500 to R$6,000 paired with personalized entrepreneurial guidance, three-stage monitoring, and MEI formalization support. The proprietary Microcrédito Produtivo Orientado methodology, which originated from a youth-managed Fundo Rotativo created in 2001 with R$10,000, is the technical foundation of operations, combining credit with civic education and ongoing relationship-based monitoring rather than algorithmic credit scoring.

The organization also runs a portfolio of 15+ educational and social programs targeting children, adolescents, women, and seniors—including Geração Empreendedora 4.0, Papo de Futuro 4.0, Olhar Empreendedor, Empreender 60+, and Cruz da Menina Empreende—delivered through a combination of direct community service, partner schools, and municipal public-private partnership agreements (Termos de Fomento/Colaboração) with bodies such as CMDCA and the Fundo Municipal do Idoso. By 2021, Acreditar had cumulatively served 15,299 entrepreneurs, 74% of whom were women and 40% youth, with participants reporting an average 56% income increase.

The revenue model is multi-source and non-commercial: services are provided free of charge to beneficiaries, with the organization funded by philanthropic donations (including directed income tax allocations to FIA and Fundo do Idoso), grants from international foundations (Citi Foundation, Ashoka, Womanity Foundation), and formal public partnership agreements with municipal governments. As of available data, the organization has approximately 20 staff supported by a multi-level governance structure (Conselho, Conselho Fiscal, Diretoria), operates from two offices in Glória do Goitá plus a formation space in Lagoa de Itaenga, and serves 6 municipalities in Pernambuco, with select cross-state projects in Paraíba. No revenue, profit, or capital structure figures are publicly disclosed.

Name

ACREDITAR.MICROCREDITO

Legal name

Associação Acreditar

Website

https://acreditar.org.br

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Acreditar is a Brazilian non-profit founded in 2006 in Glória do Goitá, Pernambuco, providing oriented productive microcredit (R$500–R$6,000), financial education, and social development programs to low-income women, youth, and microentrepreneurs across six municipalities in northeastern Brazil.

Ownership category

akta.pro rank

Product category

Microfinance and Social Development Services

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), Small Business & Self-Employment Personal Finance (Income, Expenses, Cash Reserves) (EDAAAJAL)

Keywords

• Microcredit services
• Financial education
• Entrepreneurship training
• Social development programs
• Community microfinance

Headquarters

HQ city

Glória do Goitá

HQ country

Brazil

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Donations and Philanthropic Contributions: Acreditar receives donations from individuals and organizations. The organization publishes its CNPJ and bank transfer details for public donations and accepts contributions via PagSeguro. Additionally, donors can direct a portion of their income tax (IRPF/IRPJ) to the Fundo da Infância e Adolescência (FIA) and Fundo do Idoso through the organization's campaigns.
2. Public-Private Partnerships (Termos de Fomento/Colaboração): Acreditar receives government funding through formal partnership agreements (Termos de Fomento and Termos de Colaboração) with municipal bodies such as CMDCA de Glória do Goitá, Fundo Municipal do Idoso, and others. These partnerships fund specific social and educational projects (e.g., Geração Empreendedora 4.0, Empreender Teen, Papo de Futuro 4.0, Empreender 60+). The organization also accesses resources via incentive laws (e.g., FIA funding for child/adolescent projects).
3. International Foundation Grants: Funding from international foundations supporting social impact, microfinance development, and gender equity. Noted supporters include Citi Foundation (for the Fundo Jovem Empreendedor), Ashoka, and Womanity Foundation (for impact assessment).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Acreditar provides Oriented Productive Microcredit loans ranging from R$500 to R$6,000 combined with personalized entrepreneurial guidance, financial education, and ongoing monitoring for low-income micro-entrepreneurs in Pernambuco, Brazil. The organization operates three credit lines (Fundo As Marias for women, Fundo Jovem Empreendedor for youth aged 18-32, and Fundo de Fortalecimento for adults 32+) and runs an ecosystem of free educational and social development programs for children, adolescents, youth, women, and seniors across six municipalities.

Product overview

ACREDITAR is a non-profit association (associação sem fins lucrativos) providing microcredit services and social development programs in Pernambuco, Brazil. The organization operates a structured microcredit portfolio with three main credit products (Fundo As Marias for women, Fundo Jovem Empreendedor for youth aged 18-32, and Fundo de Fortalecimento for adults 32+), complemented by an extensive education and development ecosystem. The education programs include youth projects (Geração Empreendedora 4.0, Papo de Futuro 4.0, Empreender, Empreender Teen, Trilha Empreendedora, Olhar Empreendedor, Passos para o Futuro, LeituArte), adult programs (Educar para Empreender, Empreender 60+), and quilombola outreach (Cruz da Menina Empreende). Supporting services include entrepreneurial training, financial education, MEI formalization support, and microfinance advisory for other institutions. The microcredit loans range from R$500 to R$6,000 with oriented methodology and monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• Fundo As Marias: Microcredit line targeting women with business ideas or existing businesses, promoting female empowerment and gender equity.
• Fundo Jovem Empreendedor
• Fundo de Fortalecimento a Atividades Produtivas

Products and services

• Fundo As Marias Microcredit line specifically designed for women with business ideas or existing businesses, offering entrepreneurial guidance, oriented microcredit, monitoring, formalization support, and gender-focused approach to promote female empowerment and gender equity. Loans R$500 to R$6,000.
• Fundo Jovem Empreendedor Microcredit and financial education program for low-income youth aged 18 to 32, providing oriented microcredit, business plan development support, loans from R$500 to R$6,000, and administrative-financial management tools to develop sustainable entrepreneurial initiatives. Supported by Citi Foundation and Ashoka.
• Fundo de Fortalecimento a Atividades Produtivas Microcredit program for adult entrepreneurs aged 32 and older operating businesses in commerce, services, production, and agriculture sectors with at least 6 months of operational history. Offers loans R$500 to R$6,000 with personalized guidance, three-stage monitoring, and MEI formalization support.
• Geração Empreendedora 4.0 Youth education project promoting transformational education through reading and writing, technology inclusion, financial education, and market access, targeting children and adolescents aged 8-17 with 200 hours of certified training in financial education, technology, dance, crafts, and digital marketing.
• Papo de Futuro 4.0 Educational project for children, adolescents, and youth focused on entrepreneurship, financial education, and technology access. Targets up to 216 participants under 21 years old over 12 months with technology, innovation, and creativity focus, promoting social and cultural insertion.
• Empreender Entrepreneurship education project for children and adolescents aged 12-17 from low-income backgrounds in Lagoa de Itaenga, offering courses in Financial Education, Entrepreneurship, Education, and Citizenship with practical simulations and business idea development.
• Empreender Teen Youth entrepreneurship education project for adolescents aged 14-17, providing formations in Financial Education, Entrepreneurship, Education, and Citizenship with practical experiences simulating real business situations.
• Trilha Empreendedora Entrepreneurial development project providing formative activities in Financial Education and Entrepreneurship for children and adolescents in Lagoa de Itaenga, with training and qualification sessions.
• Olhar Empreendedor: Fomentando Sonhos Children and youth development project in Glória do Goitá providing courses in Financial Education, Entrepreneurship, Education and Citizenship, Computer Skills, and Workforce Preparation, impacting 442 children, adolescents, and youth and 816 families.
• Empreender 60+ Active aging and entrepreneurship project for people aged 60 and older, promoting emotional intelligence, life history valorization, identity reaffirmation, dance, movement, cultural exchange, and entrepreneurial education over 12 months with 400 hours of training.
• Passos para o Futuro Comprehensive child and adolescent development project for ages 8-18 with 270 hours of training including Financial Education, Technology, Soft Skills, Dance, Reading, Crafts, Citizenship, and Regional Valorization.
• LeituArte Reading and textual production project for children and adolescents aged 8-12, promoting access to art and culture through cordel literature and mamulengo puppet theater for cultural valorization and learning improvement.
• Educar para Empreender Adult entrepreneurship education program offering formations in Financial Education and Entrepreneurship for community members seeking to start or strengthen business ideas.
• Cruz da Menina Empreende Quilombola community entrepreneurship project in partnership with Instituto SOLEA, offering 170 hours of training for women in the Quilombo Cruz da Menina including Transformational Leadership, Financial Education, Digital Marketing, and microcredit support.
• Capacitação Empreendedora Entrepreneurial qualification service offering courses and workshops in gender equity, digital marketing, price formation, family agriculture product processing, jewelry making, cake production, and other topics with personalized guidance for business initiation and strengthening.
• Educação Financeira Financial education course addressing responsible money use, planning, negotiation, savings, banking services, investment, and conscious consumption with practical exercises for entrepreneurs.
• Formalização ao Empreendedor (MEI Support) Orientation and formalization service for Microempreendedor Individual (MEI) status, guiding entrepreneurs through the legal process of small business formalization with management education and compliance support.
• Assessoria em Microfinanças Advisory service for other microfinance institutions and organizations, providing strategic guidance on IMF operations, microcredit aspects, technical team support, and credit agent training based on ACREDITAR's methodology and case experience.

Quantifiable outcome

• 15,299 entrepreneurs served (as of 2021), with 74% women, 40% youth (18–32), and 32% new businesses. Average income increase of 56% among participants.
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• AshokacoreStrategic or Co-development Partner · 1 January 2008Ashoka has been a key strategic partner since 2008, recognizing Lilian Prado as an Ashoka Fellow. Ashoka supported the Fundo Jovem Empreendedor and provides international network access, credibility, and strategic guidance for the organization's social innovation model.
• SERTA – Serviço de Tecnologia AlternativacoreStrategic or Co-development PartnerSERTA is the institution where Acreditar originated. SERTA coordinated the Projeto Aliança com o Adolescente and donated the credit portfolio, methodology, and institutional history to form the basis of Acreditar's operations. SERTA remains a foundational partner in youth development methodology.
• CMDCA de Glória do Goitá-PEcoreStrategic or Co-development PartnerConselho Municipal dos Direitos da Criança e do Adolescente (CMDCA) of Glória do Goitá enters into Termos de Fomento with Acreditar to fund child and adolescent programs (Geração Empreendedora 4.0, Empreender Teen, Passos para o Futuro, Olhar Empreendedor) via the Fundo para Infância e Adolescência (FIA).
• Fundo Municipal do Idoso de Glória do Goitá-PEcoreStrategic or Co-development PartnerMunicipal Fund for the Elderly partners with Acreditar through Termo de Colaboração to fund the Empreender 60+ project, supporting active aging and entrepreneurship for people aged 60+.
• IADH – Instituto de Assessoria para o Desenvolvimento HumanominorStrategic or Co-development PartnerIn 2016, IADH contracted Acreditar to advise the establishment of Banco Comunitário Reserva da Cidadania, to provide financial support to businesses formed by IADH's projects in Itapuama and Gaibu, on the coast of Pernambuco.
• Instituto SOLEAcoreStrategic or Co-development PartnerInstituto SOLEA partners with Acreditar to implement the Projeto Cruz da Menina Empreende in the Quilombo Cruz da Menina community in Dona Inês/PB, supporting quilombola families through entrepreneurship training, microcredit, and cultural valorization.
• Prefeitura Municipal de Glória do Goitá-PEcoreStrategic or Co-development PartnerMunicipal government partners through various projects including the Geração Empreendedora 4.0, providing local government support, facilities, and coordination with municipal secretariats and schools.
• Abcred – Associação Brasileira de Entidades Operadoras de Microcrédito e MicrofinançasminorChannel Partner/ Reseller/ DistributorAcreditar is listed among Abcred's partners. Fabio Maschio, Director of Crédito Solidário and Financial Director of Abcred, serves as a board member (Conselheiro) of Acreditar, connecting the organization to the broader Brazilian microfinance network.
• Sesc Mesa BrasilminorStrategic or Co-development PartnerSesc Mesa Brasil is listed as an institutional partner. Possible collaboration on food security, social welfare programs, or community initiatives.
• CMDI / CMDCA de Glória do GoitácoreStrategic or Co-development PartnerMunicipal Council for the Rights of Children and Adolescents and its associated fund (CMDCA) provide the primary public funding mechanism for Acreditar's youth programs through Termos de Fomento.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Sicredi: Sicredi is a Brazilian cooperative credit institution (already listed as an Acreditar institutional partner) with microcredit and small-business lending products serving rural and underserved communities. Comparable in offering oriented microcredit, but operates as a regulated cooperative at national scale.
• Caixa Econômica Federal: Caixa is a major Brazilian federal bank running microcredit and entrepreneurship programs (including MEI-oriented offerings) through its national branch network. Comparable in serving low-income micro-borrowers, but as a full-service bank with a fundamentally different mandate and cost base.
• Banco do Nordeste (BNB): BNB is a federal regional development bank active in northeastern Brazil with the Agroamigo and Crediamigo microcredit programs that target the same microentrepreneur demographic as Acreditar. It is a much larger incumbent that competes for the same beneficiary pool in Pernambuco and surrounding states.
• Instituto Banco do Brasil (Microcrédito Produtivo Orientado): Banco do Brasil offers a Microcrédito Produtivo Orientado product for microentrepreneurs in low-income regions, similar to Acreditar's methodology. Operates as a large commercial bank with broader mandate, sharing the same borrower segment and credit-plus-assistance model.

Direct peers

• Cresol: Cresol is a Brazilian cooperative credit system with strong rural and small-agricultural borrower focus, offering microcredit and oriented financial services across southern/northeastern Brazil. Directly comparable to Acreditar's microcredit-plus-financial-education model targeting low-income entrepreneurs, though Cresol operates at much larger scale and is mutual rather than non-profit.
• CEAPE - Centros de Apoio ao Pequeno Empreendedor: CEAPE is a Brazilian NGO microfinance network that provides oriented productive microcredit to micro and small entrepreneurs, similar to Acreditar's methodology. It is the closest non-profit microcredit peer in Brazil, operating in similar low-income segments with analogous technical-assistance-plus-credit methodology.

Others

• Oikocredit Brasil: Oikocredit is an international cooperative that provides capital and capacity-building to microfinance institutions in Brazil, including NGO MFIs. Comparable as a funding partner and ecosystem participant rather than as a direct microcredit operator, but materially relevant to the same social-mission credit space.
• ABcred - Associação Brasileira de Entidades Operadoras de Microcrédito e Microfinanças: ABcred is the Brazilian industry association for microcredit and microfinance operators (Acreditar is a member partner). Serves as the sector umbrella organization setting standards and representing microcredit NGOs, and thus a direct peer in the methodological and regulatory ecosystem.

Emerging players

• Aliança Empreendedora: Aliança Empreendedora is a Brazilian NGO that supports low-income entrepreneurs through training, networks, and access to credit, with overlapping community-embedded mission in vulnerable regions. Comparable in combining entrepreneur education with credit access, though focused more on ecosystem-building than direct microcredit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/acreditarONG
• YouTubeyoutube.com/channel/UCbWw2JJzUKv24dOJns2FejQ
• Facebookfacebook.com/Acreditar.microcredito
• LinkedInlinkedin.com/company/acreditar---capital-humano-e-transforma-o-social
• Instagraminstagram.com/acreditar.microcredito

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ACREDITAR.MICROCREDITO