aIn 2014, already heard rumors that the next year would be of economic recession, and we make sure, in 2015, it involved not just rumors, but the finding about the consequences of how the country was conducted. We now see rising inflation, rise of the dollar, credit restrictions, arrears increase, etc. In this sense, the indicator Serasa Experian Default Enterprise shows that Brazilian companies started the year with arrears, and pointed out 12.1% of financial default of growth in the first quarter of 2015 compared to the same period 2014 .

Despite all the economic problems, according to Brazilian economist and former finance minister Maílson da Nobrega, Brazil is experiencing a crisis and not collapse, that is, we will not falter as Argentina and Venezuela. What does that mean? That in the midst of this turmoil, you can also have the opportunity to do good business and have chances of growth.

What’s unusual question is how this can be possible. What should be the science of all, especially entrepreneurs entrepreneurs, it is that in these times of stagnation and crisis, the market opens up new fronts to be worked. With the crisis, people tend to return to older and enjoy more basic services habits, but do not want to become outdated according to new technological trends and behavior. So here the right words to use at the moment are: innovation and optimization.

People at this time of lean finances, will want to buy and repair used cars instead of buying new ones; They will want to restore clothes and used shoes; They will reform their homes because access to credit is more restricted for mortgages etc. Here, the differential will supply these customers, since the goods and services will have to be quality, be modern and affordable.

So as not to leave to grab these good business opportunities amid the crisis, the company should be attentive to their health and financial management. And, of course, the costs should be dry. Therefore, it becomes mandatory to make cash flow analysis periodically; reformulation of the business plan; redo strategic and budget plans; chart new charges etc. projects Hiring a consultant or specialized services company can help achieve the goal of growth and participation of courses, lectures and trainings that instruct entrepreneurs on the subject.

(*) Sara Carvalho is a consultant in the areas of Finance and Accounting, Controlling expert and professor of Professional Development Course “Delinquency Management and Payment Methods” of the Institute of Graduate Studies and Graduate (IPOG), www.ipog.edu .br