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This research paper by the Climate Policy Initiative/PUC-Rio analyzes the total public cost of rural credit in Brazil between 2023 and 2025. It argues that the actual cost to society is nearly five times higher than the typically reported interest rate subsidies, as it includes tax benefits, public funding sources, and debt renegotiations. The study highlights significant gaps in transparency, low focalization on social and environmental goals, and regulatory asymmetries between different funding sources.

This report by the Climate Policy Initiative (CPI/PUC-Rio) analyzes barriers to accessing the National Program for Strengthening Family Agriculture (Pronaf) in Brazil. It identifies significant regional disparities in credit access, highlighting that technical assistance and rural extension (ATER) and membership in cooperatives are critical determinants for obtaining credit. The study emphasizes that while Pronaf is essential for financial resilience, it must be integrated with complementary public policies to enhance the productive and climate resilience of family farmers.

This report by the Climate Policy Initiative (CPI/PUC-Rio) analyzes inequalities in access to rural credit for family farmers in Brazil, focusing on the National Program for Strengthening Family Agriculture (Pronaf). It finds that credit access is limited and unevenly distributed, favoring larger properties, the South region, and grain production, while smaller producers and those in the North and Northeast regions remain largely excluded.