Análise de crédito na agricultura familiar: a partir dos relatórios de concessões do Programa Agroamigo

Abstract

Agriculture in the family context has its relevance for the subsistence of its producers, as well as it stands out in the economic scenario of the country. It is an activity that faces many challenges and for that it relies on external aid, such as rural microcredits. In view of the above, it is essential to analyze the impact and contribution of rural credit lines, specific to Banco do Nordeste's Agroamido, identifying their basic concession criteria and verifying their influence on the results of family farming. The technical procedures that best contributed to the realization of this study were exploratory in nature through bibliographic verification using scientific articles, books, monographs, among other studies in the area, as well as documental analysis of Agroamigo credit granting reports. Based on the study carried out, it was possible to analyze the performance of the Agroamigo Program, which in all aspects proved to be quite representative in the context of family farming, contributing significantly to improving the quality of life of the beneficiary families and enabling these small farmers to also contribute with the country's economy and the generation of employment and income. However, greater transparency is needed with regard to the reports made available by the institution, in order to present the rates of benefited families and the proportions of their reach.