Obstáculos ao efetivo aceso ao crédito rural e suas implicações no Pronaf

Abstract

In recent decades, agribusiness has been predominating in the Brazilian economic scenario, demonstrating growth and/or stability even during economic crisis. It has an expressive share in exports, being responsible for maintaining the balance of trade and for a large part of GDP (Gross Domestic Product). One of the incentives for this growth is the resources made available for rural credit, carried out by state and private agents, formalized by credit titles. The growth of rural credit contracts in the market has brought with it an increase in the sector’s indebtedness, an increase in the collection of undue fees and, therefore, an increase in litigation involving the operations, a fact that demonstrates that the legal presence is essential to assist rural producers and promote greater security in negotiations. In this context, this article analyses the impacts of rural credit in the Brazilian legal and agrarian sphere, emphasizing a set of essential variables for understanding the performance and changes that have ocurred. For this, as a research methodology, a bibliographic and documentary research was used, in search of concepts, definitions, legislation and academic productions that could support discussions in this study. It is hoped, through this discussion, to broaden the understanding of the subject and enable a new look at agrarian law