Microcrédito produtivo e orientado: uma análise sobre os impactos socioeconômicos do Programa Agroamigo na agricultura familiar em Codó-MA

Abstract

This study aims to analyze productive and oriented microcredit, with a specific focus on the Agroamigo Program and its socioeconomic impacts on family farming in Codó-MA, Brazil. The influence of public policies on improving the welfare state in rural areas is highlighted. The Agroamigo Program and its relevance in the national context are presented, verifying the program's role in generating income and improving the quality of life of family farmers. The Agroamigo program is analyzed in the context of rural credit provision in Brazil, its emergence as an innovative initiative in the Brazilian rural credit scenario, with the objective of facilitating access to credit for family farming. The impacts of the Agroamigo program are highlighted through its simplified structure and attractive interest rates. The program seeks to boost the development of the family farming sector in the municipality of Codó-MA. The methodology used had an exploratory qualitative research approach, with a questionnaire as the data collection instrument. The questionnaire was applied in person at the Banco do Nordeste branch and at the Agroamigo Program service station in the municipality of Codó-MA. The results obtained allowed the identification of relevant points about productive and oriented microcredit based on an analysis of the socioeconomic impacts of the Agroamigo Program on family farming in Codó-MA. In this sense, it was concluded that access to credit is seen as crucial for the development of family farming in the context of Agroamigo, indicating that program participants have a positive perception of its effectiveness in promoting the strengthening of family farming. Thus, credit can be seen as a fundamental element for the development of the sector.