Quem mais precisa menos acessa: recomendações para um Pronaf inclusivo e sustentável

The report finds that Pronaf exhibits a regressive distribution of credit, where the most capitalized producers receive the bulk of resources while the most vulnerable are excluded. It highlights that 79% of family farmers did not access Pronaf credit in 2024/25, and resources are heavily concentrated in the South and Southeast regions and in conventional crops like soy, corn, and coffee. The document argues that lines for bioeconomy and agroecology remain marginal, often representing less than 1% of total credit. It emphasizes the critical but underfunded role of Technical Assistance and Rural Extension (ATER), which received less than 0.3% of the total family agriculture budget in the 2025/26 Plan Safra. To address these failures, the report recommends establishing minimum allocation targets for smallholders and the North/Northeast regions, updating outdated fiscal modules for eligibility, integrating the Brazilian Sustainable Taxonomy, and blocking subsidized credit for properties with recent deforestation.

• Pronaf credit access is highly regressive and concentrated among the most capitalized producers. In the 2024/25 agricultural year, approximately 79% of family farmers were excluded from the program. Furthermore, the top 10% of contracts by volume absorbed 47% of all program resources, while the bottom 50% of contracts shared only 8% of the credit.
• There is a significant regional and productive imbalance in the distribution of funds. The South and Southeast regions concentrate approximately 68% of Pronaf resources. In terms of crops, soy, corn, and coffee account for nearly 67% of the program's agricultural credit.
• Credit lines dedicated to sustainability and social inclusion are marginal in practice. Pronaf Custeio and Pronaf Mais Alimentos represent about 80% of the total volume. In contrast, lines for Agroecology, Youth, Women, and Agroforestry Systems collectively account for less than 1% of the credit.
• Technical Assistance and Rural Extension (ATER) is severely underfunded and is a primary barrier to credit access, particularly in the North and Northeast. In the 2025/26 Plan Safra, only R$ 240 million was allocated to ATER, representing less than 0.3% of the R$ 89 billion total for family agriculture.
• The use of 'fiscal modules' to determine eligibility is outdated and creates distortions. Because these modules have not been updated since the 1980s, they allow large producers in extensive regions to qualify as 'family' farmers while excluding intensive small-scale producers in other areas.
• Gender disparities persist in credit access; while women hold 39% of Pronaf operations, they receive only 23% of the total credit volume, with average loan values less than half of those granted to men.

APA

Climate Policy Initiative (2026). Quem mais precisa menos acessa: recomendações para um Pronaf inclusivo e sustentável. https://www.climatepolicyinitiative.org/pt-br/publication/quem-mais-precisa-menos-acessa-recomendacoes-para-um-pronaf-inclusivo-e-sustentavel/

Chicago

Climate Policy Initiative. Quem mais precisa menos acessa: recomendações para um Pronaf inclusivo e sustentável. 2026. https://www.climatepolicyinitiative.org/pt-br/publication/quem-mais-precisa-menos-acessa-recomendacoes-para-um-pronaf-inclusivo-e-sustentavel/.

Wikipedia

{{cite report |author=Climate Policy Initiative |title=Quem mais precisa menos acessa: recomendações para um Pronaf inclusivo e sustentável |date=25 May 2026 |url=https://www.climatepolicyinitiative.org/pt-br/publication/quem-mais-precisa-menos-acessa-recomendacoes-para-um-pronaf-inclusivo-e-sustentavel/ |access-date=23 October 2026 |via=Climate Insights Directory}}

BibTeX

@techreport{climatepolicyinitiative2026quem, author = {{Climate Policy Initiative}}, title = {{Quem mais precisa menos acessa: recomendações para um Pronaf inclusivo e sustentável}}, institution = {Climate Policy Initiative}, year = {2026}, month = may, url = {https://www.climatepolicyinitiative.org/pt-br/publication/quem-mais-precisa-menos-acessa-recomendacoes-para-um-pronaf-inclusivo-e-sustentavel/}, urldate = {2026-10-23}, note = {Indexed by Climate Insights Directory} }