Desenrola Adimplentes: who qualifies and how it works

What is Desenrola Adimplentes and who qualifies?

Desenrola Adimplentes is the latest phase of Brazil's Desenrola 2.0 program, launched by the federal government in June. It went live on Monday, August 10, offering better credit conditions to two groups: informal workers who are keeping up with their debts, and students or companies that are current on their FIES (Student Financing Fund) obligations.

How does the funding work?

Under rules approved by the National Monetary Council (CMN) in an extraordinary session on August 7, every participating financial institution must contribute 30% of its own capital to each operation. The remaining 70% comes from federal government funds transferred to partner banks. This change — introduced by Provisional Measure No. 1,382 of August 1 — is designed to bring more private banks into the program while keeping public spending efficient.

Who can apply as an informal worker?

To be eligible, informal workers must meet all of the following conditions:

• Work outside a formal CLT employment contract
• Not be a civil servant, retiree, or INSS pensioner
• Hold an existing unsecured personal credit operation with a remaining balance
• Have paid at least four installments on that loan
• Have a debt that is current or no more than 90 days overdue as of the date of the Provisional Measure

The program lets these workers swap a higher-cost debt for a new loan at lower interest rates.

What about FIES beneficiaries?

Students and companies that are up to date on FIES payments can access dedicated credit lines aimed at financing entrepreneurial activities.

How many people are expected to benefit?

The government estimates that up to 500,000 informal workers and 100,000 FIES beneficiaries will seek access to the program.