CANAIS DE DISTRIBUIÇÃO DO CRÉDITO RURAL

The document analyzes the Brazilian rural credit system, highlighting that the availability of financing is often determined by the distribution of banks and cooperatives rather than local agricultural potential. It identifies significant geographic concentration in the South and Southeast regions and a complex web of funding sources and programs that lead to inconsistent credit conditions for producers.

• The distribution of financial institutions in Brazil is geographically unbalanced and does not fully correlate with agricultural potential, meaning some municipalities lack adequate access to services despite their production capacity.
• Bank branches and credit cooperatives are heavily concentrated in the South and Southeast regions, with 33% of all branches located in state capitals.
• Rural credit is highly concentrated among a few institutions; Banco do Brasil provided over half of all rural credit in the 2015/2016 agricultural year, totaling R$ 85.2 billion.
• The funding sources for rural credit are diverse and offer disparate conditions; for example, in 2015/2016, 'Recursos Obrigatórios' had interest rates of 9.5%, while the 'Fundo Constitucional do Norte' offered 6.5% for small producers.
• The availability of credit fluctuates significantly year-to-year based on the funding source, creating artificial instability in credit availability for producers.
• The system is characterized by a complex and unstable set of credit programs; in the 2015/2016 agricultural year, there were 18 different programs, many of which are created and abolished between years.

APA

Souza, P., Assunção, J., & Figueiredo, B. (2018). CANAIS DE DISTRIBUIÇÃO DO CRÉDITO RURAL. Climate Policy Initiative. https://www.climatepolicyinitiative.org/wp-content/uploads/2018/02/CPI_Resumo_PT_-_Canais_de_distribuicao_de_credito_rural.pdf

Chicago

Souza, Priscila, Juliano Assunção, and Beatriz Figueiredo. CANAIS DE DISTRIBUIÇÃO DO CRÉDITO RURAL. Climate Policy Initiative, 2018. https://www.climatepolicyinitiative.org/wp-content/uploads/2018/02/CPI_Resumo_PT_-_Canais_de_distribuicao_de_credito_rural.pdf.

Wikipedia

{{cite report |last1=Souza |first1=Priscila |last2=Assunção |first2=Juliano |last3=Figueiredo |first3=Beatriz |title=CANAIS DE DISTRIBUIÇÃO DO CRÉDITO RURAL |publisher=Climate Policy Initiative |date=February 2018 |url=https://www.climatepolicyinitiative.org/wp-content/uploads/2018/02/CPI_Resumo_PT_-_Canais_de_distribuicao_de_credito_rural.pdf |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{souza2018canais, author = {Souza, Priscila and Assunção, Juliano and Figueiredo, Beatriz}, title = {{CANAIS DE DISTRIBUIÇÃO DO CRÉDITO RURAL}}, institution = {Climate Policy Initiative}, year = {2018}, month = feb, url = {https://www.climatepolicyinitiative.org/wp-content/uploads/2018/02/CPI_Resumo_PT_-_Canais_de_distribuicao_de_credito_rural.pdf}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }