Análise das linhas de crédito para o produtor rural

Abstract

The purpose of this study is to identify the effective interest rate charged by banks, such as Bradesco, Banco do Brazil, Caixa Econômica Federal. Itaú Unibanco and Santander. These rates refer to the credit line for Costing and Investment. Such lines of financing for small, medium and large rural producers are divided into two types. Make the rate comparison between them, and thereby identify which will be the most attractive rate, for rural producers who intend to apply for rural credit lines with banks. The small rural producer, who intends to finance the cost, the best rate is 5% a.a. For the average rural producer, the lowest rate was 5% p.a. For the large rural producer, the best rate was 6% p.a. In the same line of investment financing, the best rate for small rural producers was 6.5% p.a. For the average rural producer, the best rate was 6.5% p.a. For the large rural producer, the best rate was 7% p.a. Agribusiness has lower interest rates compared to other sectors of the economy, the rates of financial institutions vary according to each producer, the amount financed is according to the need to pay for the soybean crop, and the purchase of a suitable machine to meet the needs and the size of your land for planting. It is concluded that the rates for the agricultural sector are low compared to other sectors of the Brazilian economy, they vary from financial institution to financial institution, but they are still low.