6 Peculiaridades do Crédito Rural na Amazônia

This report by the Climate Policy Initiative (CPI/PUC-Rio) analyzes rural credit in the Brazilian Amazon, identifying six specific patterns that distinguish it from the rest of Brazil. The analysis highlights limited credit access, a heavy reliance on public banks, and a predominance of livestock financing, which the authors link to extensive land use and deforestation.

• Rural credit in the Amazon is heavily skewed toward livestock, which is closely linked to deforestation. In the 2019/20 agricultural year, 57% of the value of credit operations in Amazon biome municipalities went to livestock, compared to 32% in the rest of Brazil.
• Producers in the Amazon face greater restrictions in accessing rural credit than those in other Brazilian regions. While 13% of Brazilian rural producers are located in the Amazon, the region accounted for only 7.2% of the total value of rural credit operations in Brazil during the 2016/17 agricultural year.
• Agricultural activity in the Amazon is less entrepreneurial than in the rest of the country. In the 2019/20 agricultural year, legal entities (companies) received only 4.8% of the total credit in the region, whereas they received 26% in the rest of Brazil.
• The rural credit market in the Amazon is characterized by low competition and a dominance of public banks. In 78% of the region's municipalities, the primary source of credit is either Banco do Brasil or Banco da Amazônia.
• There has been a shift in funding sources for rural credit in the Amazon. The Fundo Constitucional do Norte (FNO), which provided nearly half of the region's credit in 2000/01 (49%), fell to 17% by 2019/20, while private investments like Letras de Crédito Agrícola (LCA) grew to 12% of the resources by 2019/20.
• The Pronaf program (for family farming) is more relevant in the Amazon than the Pronamp program (for medium producers). In 2019/20, Pronaf operations represented 17% of the credit volume in the Amazon, while Pronamp represented 10%. This is partly because larger fiscal modules in the North allow producers with relatively larger properties to qualify for Pronaf.

APA

Souza, P., Campos, G., Herschmann, S., Vogt, P., & Assunção, J. (2021). 6 Peculiaridades do Crédito Rural na Amazônia. Climate Policy Initiative. https://www.climatepolicyinitiative.org/wp-content/uploads/2021/05/Destaque-6-Peculiaridades-do-Credito-Rural-na-Amazonia.pdf

Chicago

Souza, Priscila, Gabriel Campos, Stela Herschmann, Pedro Vogt, and Juliano Assunção. 6 Peculiaridades do Crédito Rural na Amazônia. Climate Policy Initiative, 2021. https://www.climatepolicyinitiative.org/wp-content/uploads/2021/05/Destaque-6-Peculiaridades-do-Credito-Rural-na-Amazonia.pdf.

Wikipedia

{{cite report |last1=Souza |first1=Priscila |last2=Campos |first2=Gabriel |last3=Herschmann |first3=Stela |last4=Vogt |first4=Pedro |last5=Assunção |first5=Juliano |title=6 Peculiaridades do Crédito Rural na Amazônia |publisher=Climate Policy Initiative |date=May 2021 |url=https://www.climatepolicyinitiative.org/wp-content/uploads/2021/05/Destaque-6-Peculiaridades-do-Credito-Rural-na-Amazonia.pdf |access-date=17 August 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{souza2021peculiaridades, author = {Souza, Priscila and Campos, Gabriel and Herschmann, Stela and Vogt, Pedro and Assunção, Juliano}, title = {{6 Peculiaridades do Crédito Rural na Amazônia}}, institution = {Climate Policy Initiative}, year = {2021}, month = may, url = {https://www.climatepolicyinitiative.org/wp-content/uploads/2021/05/Destaque-6-Peculiaridades-do-Credito-Rural-na-Amazonia.pdf}, urldate = {2026-08-17}, note = {Indexed by Climate Insights Directory} }