POLÍTICA DE CONCESSÃO DE CRÉDITO RURAL: OS MECANISMOS DO AGROAMIGO DO NORDESTE

Brazil, due to its extensive territorial dimension, is considered a benchmark in agricultural production among developing countries. Within this context, agriculture plays a crucial role in the Brazilian economy as it contributes significantly to the balance of trade. Thus, the Brazilian agricultural production experience since year 2004, excellent prospects for sustainable growth and consistency, strong leadership in achieving the production of soybeans, corn, coffee, meat, sugar and others. Thus, since 1990 there are some institutions implementing microcredit programs. One of the most prominent is the Bank of Northeast of Brazil with Agroamigo. The present study describes how the methodology for granting credit - Agroamigo – to the farmers. The methodology used in this study was exploratory and descriptive. Research resources were books, articles, journals, reports, theses and dissertations, and especially official databases. The Agroamigo method had given positive results to communities in the municipality, as there was also a growth in rural activities, according to the BNB (2009), in the order of 40%. The program has enhanced access to rural credit for small farmers and provided improvements in their lives

Política de concessão de crédito rural: Os mecanismos do agroamigo do nordeste

Brazil, due to its extensive territorial dimension, is considered a benchmark in agricultural production among developing countries. Within this context, agriculture plays a crucial role in the Brazilian economy as it contributes significantly to the balance of trade. Thus, the Brazilian agricultural production experience since year 2004, excellent prospects for sustainable growth and consistency, strong leadership in achieving the production of soybeans, corn, coffee, meat, sugar and others. Thus, since 1990 there are some institutions implementing microcredit programs. One of the most prominent is the Bank of Northeast of Brazil with Agroamigo. The present study describes how the methodology for granting credit - Agroamigo – to the farmers. The methodology used in this study was exploratory and descriptive. Research resources were books, articles, journals, reports, theses and dissertations, and especially official databases. The Agroamigo method had given positive results to communities in the municipality, as there was also a growth in rural activities, according to the BNB (2009), in the order of 40%. The program has enhanced access to rural credit for small farmers and provided improvements in their lives.O Brasil, devido sua extensa dimensão territorial, é considerado referência na produção agrária dentre os países em vias de desenvolvimento. Dentro deste contexto, a agricultura tem um papel de fundamental destaque no cenário econômico brasileiro, pois contribui significativamente para o equilíbrio da balança comercial. Assim, a produção agrária brasileira vivencia, desde o ano de 2004, um estágio bastante favorável com ótimas perspectivas de um crescimento duradouro e consistente, alcançando forte liderança na produção de soja, milho, café, carnes, açúcar entre outros. Assim, a partir de 1990 surgem algumas instituições implementando programas de microcrédito. Uma de maior destaque é o Banco do Nordeste do Brasil S.A com o Agroamigo. O presente estudo objetivou descrever como funciona a metodologia de concessão de crédito – Agroamigo - ao produtor rural. A metodologia utilizada nesta pesquisa foi do tipo exploratório-descritivo, tendo como fonte de pesquisa: livros, artigos, periódicos, relatórios, teses e dissertações e, sobretudo, bancos de dados oficiais. A metodologia do Agroamigo vem surtindo resultados positivos nas comunidades do município, pois houve um crescimento na atividade rural, segundo dados do BNB (2009), na ordem de 40%. O programa tem agilizado o acesso ao crédito rural para os agricultores familiares e proporcionado melhorias em suas vidas