VIABILIDADE ECONÔMICA DO CRÉDITO RURAL LIVRE: O CASO DE NOVA CRIXÁS - GO

Abstract

This research analyzes the economic and financial viability of rural free credit to farmers cutting bovinocultor, in Nova Crixás-GO in 2014. Through a case study, it was intended the following objectives: (i) identify the rural credit course a way to offer comfort period, and return stability to producers without affecting the trust or profitability of the financial operator; (ii) analyze the effects that some variables cause in the production and survival of farmers and (iii) understand the reasons that the producers have to justify a loan with higher interest rates. It was used qualitative methodology, descriptive and analytical by analyzing a case. This study used a qualitative, descriptive and analytical methodology. Built up two different questionnaires, including structured and open questions. From the standpoint of the farmers, the conclusions reached most important were: (1) farmers would like to have more credits, especially rural credit free; (2) they want financial institutions to be more agile internally; (3) they are willing to take free rural credit if some additional conditions they are given; (4) also want stability in interest rates in such a way that there is increased risk, uncertainty or costs in loan operations; and (5) the farmer can reduce risk to near zero Their, including anticipated sales of its animals to use the alternative suggested to use simultaneously, the futures market and the commodities market. From the perspective of the lender, the conclusions reached were more salient: (i) the creditor is in a position quite comfortable and only moves towards the rural credit when there is legal obligation, standard or higher governing body; (ii) this research, public banks do not offer any free rural credit facilities for farmers; (iii) private banks are faced with a huge opportunity to grow its business; (iv) banks can create special credit lines for beef cattle farming and (v) private banks can completely change your role, funding will be increased production for the urban area, innovation, growth, alternative incomes, will be changing its role from being just a transmitter of resources to be an effective partner in agribusiness.