Alternativas ao modelo tradicional de crédito rural

Abstract

For decades, the rural credit model instituted by Law No. 4,828 / 65 has provided rural producers with the resources needed to make production viable. However, this model has shown signs of exhaustion, regarding the availability of resources, high rates of default and greater control of public spending over the years. The study begins with a brief bibliographical survey of the historical evolution of rural credit in Brazil, its role for the development of agribusiness in the country and a review of the literature on the main viable alternatives of agricultural financing for small, medium and large rural producers in the municipality of Dourados / MS. The data that compose a rural credit costing operation at Banco do Brasil were collected and compared to two rural financing alternatives raised in this study. The results show that the analyzed alternatives are a viable source for financing the agricultural activity, when considering the interest rates and indirect costs of each modality. Although the rural credit operation in the traditional model still stands out, none of the alternatives overlaps the others, as the need and particularity of each producer may vary.