Determinantes do risco de crédito rural no Brasil: uma crítica às renegociações da dívida rural

Melo, Lucas Braga de; Filho, Moisés de Andrade Resende

doi:10.5935/0034-7140.20170004

Cited by 9 publications

(5 citation statements)

References 15 publications

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“…Como instrumento é utilizado a variável risco ao endividamento, mensurada a partir do score desse produtor se caracterizar como um cliente propício ao não pagamento e, consequentemente, ter restrições de acesso ao crédito rural, já que conforme Melo (2017), quanto mais informação à instituição credora tem de que o tomador não honrará com seu compromisso, menos chances esse tem de obter o crédito.…”

Section: Metodologiaunclassified

Políticas de Crédito Rural na Agricultura Familiar no Sertão Pernambucano / Rural Credit Policies in Family Agriculture in the Sertão Pernambucano

Alves¹,

Sobral²,

Melo³

et al. 2022

IDonline

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Esta pesquisa objetivou investigar se o uso de políticas de crédito rural está correlacionado com a formação de renda do produtor rural. Através de uma pesquisa do tipo survey, foi aplicado questionário on-line a produtores rurais do município de Salgueiro, Pernambuco. A partir modelo de regressão linear evidenciou-se uma relação positiva entre o uso de crédito rural e o valor da produção com uma diferença, em média, de 17,4% maior na renda em relação aos que não fazem uso dessa política no município de Salgueiro. Contudo, embora a agricultura familiar tenha uma grande participação na economia do Brasil e através dos créditos disponibilizados consigam expandir sua produção, ainda é necessário um maior investimento em políticas públicas de educação de gestão rural garantindo a melhoria na qualidade de vida das pessoas que lá vivem. Abstract: This research aimed to investigate whether the use of rural credit policies is correlated with the income formation of rural producers. Through a survey, an online questionnaire was applied to rural producers in the municipality of Salgueiro, Pernambuco. From the linear regression model, a positive relationship was evidenced between the use of rural credit and the value of production with a difference, on average, of 17.4% greater in income compared to those who do not use this policy in the municipality of Willow tree. However, although family farming has a large share in the Brazilian economy and through the available credits, they are able to expand their production, there is still a need for greater investment in public policies for rural management education, ensuring an improvement in the quality of life of the people who live there.Keywords: rural credit; family farming; Salgueiro; Pernambuco.

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Section: Metodologiaunclassified

Políticas de Crédito Rural na Agricultura Familiar no Sertão Pernambucano / Rural Credit Policies in Family Agriculture in the Sertão Pernambucano

Alves¹,

Sobral²,

Melo³

et al. 2022

IDonline

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“…In turn, this pushes producers to invest in new mechanisms and strategies to boost profit margins and production standards. To facilitate this continuous cycle of innovation, soybean producers take loans from public and private sectors (e.g., traders and retailers) to cover production costs and improvements on the farm (e.g., construction of on-farm storage facilities, new machinery, additional land acquisitions) that tie them to the soybean supply chain treadmill and keep them in a financially exposed situation (Melo and Resende Filho, 2017).…”

Section: Treadmills In Agriculture and The Soybean Trapmentioning

confidence: 99%

“…Currently, there are almost 240,000 farms producing soybean in Brazil (IBGE, 2018) and in a survey conducted by the Projeto Soja Brasil 2 , in 2016 82% of 1,065 soybean producers from different regions of the country declared difficulties in repaying loans acquired for the agricultural year of 2015/2016, in turn making it more difficult to acquire new credit to produce in the next season. This indebtedness in the Brazilian agricultural sector dates back to the 1990s, and from 2001 to 2014 the major factor driving indebtedness was the imbalance between production costs and product prices (Melo and Resende Filho, 2017).…”

Section: Introductionmentioning

confidence: 99%

The Soybean Trap: Challenges and Risks for Brazilian Producers

Silva

Batistella

Moran

et al. 2020

Front. Sustain. Food Syst.

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Since the 1970s, Brazilian soybean production has grown rapidly, driven by increasing national and international demand and rising prices. Consequently, soybean production has come to be perceived as an attractive opportunity, with the number of farms producing soybean across the country reaching around 240,000 in 2017. However, producers can become trapped by dependencies on moneylenders, traders and input supply companies, facing so-called' agricultural treadmills'. In this study we undertook interviews with individual soybean producers and representatives of trader companies, producers' associations, the processing industry, government and civil society, and used these data to analyze rural production operations related to the soybean supply chain and to interpret how agricultural treadmills persist in this sector. Based on literature review and fieldwork interviews, we found that producers have been able to add value to their products, but some strategies they use to cope with production costs lead them into high-risk situations. Our findings show that, sectoral (e.g., producers' associations) and collective actions (e.g., farmers' buying groups) are a useful strategy for producers to gain influence and bargaining power against transnational companies and input suppliers compared to acting as an individual within the soybean supply chain. Producers were emphatic that the current soybean business is now much more than just farming activities, and that education and training are highly valuable and important strategies to keep producers in the soybean business and out of traps. These findings are important given the neoliberal context in which individual producers find themselves and which presents challenges that alone they can do little to change. Policies that enable individual producers to make environmentally-and financially-sound agricultural decisions are vital to ensure a sustainable soybean system that does not trap producers in endless cycles of debt and investment.

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“…O Sistema Nacional do Crédito Rural (SNCR), foi instituído no Brasil em cinco de novembro de 1965, e sistematizado pela lei n° 4.829 e pelo decreto n° 58.380 do ano de 1966 (Melo & Resende Filho, 2017).…”

Section: Introductionunclassified

Diagnóstico Das Oportunidades De Créditos Rurais No Assentamento João Rodrigues Primo Em Petrolina, Pernambuco / Diagnosis of Rural Credit Opportunities in the João Rodrigues Primo Settlement in Petrolina, Pernambuco

Viturino¹,

Campelo

2020

BJD

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Com o acesso à terra por meio das políticas de reforma agrária, os assentamentos têm direito a determinadas políticas públicas, como por exemplo as linhas de crédito rurais, que são importantes ferramentas de desenvolvimento das unidades familiares estabelecidas. O presente trabalho teve como objetivo conhecer os aspectos positivos e negativos causado pelo financiamento das linhas de créditos, tanto no âmbito social como econômico, e a contribuição na qualidade de vida e geração de renda para os agricultores familiares de um assentamento de reforma agrária, situado na região semiárida de Petrolina, Pernambuco. A metodologia utilizada nessa pesquisa envolveu um levantamento bibliográficos e atividade de campo utilizando técnicas que a caracterizam como uma pesquisa qualitativa e quantitativa. Para coleta de dados na pesquisa de campo, utilizou-se a aplicação de questionários, rodas de conversas e a observação in loco. Dessa forma, pode-se ressaltar que os créditos rurais melhoraram a qualidade de vida dos assentados do João Rodrigues Primo em Petrolina-PE. Além isso, uma assistência técnica de qualidade aos assentados é fundamental para uma melhor utilização dos recursos disponibilizados pelos créditos.

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Determinantes do risco de crédito rural no Brasil: uma crítica às renegociações da dívida rural

Cited by 9 publications

References 15 publications

Políticas de Crédito Rural na Agricultura Familiar no Sertão Pernambucano / Rural Credit Policies in Family Agriculture in the Sertão Pernambucano

Políticas de Crédito Rural na Agricultura Familiar no Sertão Pernambucano / Rural Credit Policies in Family Agriculture in the Sertão Pernambucano

The Soybean Trap: Challenges and Risks for Brazilian Producers

Diagnóstico Das Oportunidades De Créditos Rurais No Assentamento João Rodrigues Primo Em Petrolina, Pernambuco / Diagnosis of Rural Credit Opportunities in the João Rodrigues Primo Settlement in Petrolina, Pernambuco

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