AVALIAÇÃO DE CUSTEIO AGRÍCOLA E OBTENÇÃO DE CRÉDITO RURAL PARA A PRODUÇÃO DE SOJA NO SUDOESTE GOIANO

Abstract

The present work had as general objective to analyze details about the acquisition of rural credit through the elaboration of agricultural costing project, for its approval and taking of credit with the financial institutions, in accordance with the economic viability of the project in question, to these studies, in this case, made it possible to visualize the stages of the process and illustrate it until its approval. Based on the internship done at the Rural Planning and Technical Assistance Company Ltda. – EMPLANTEC, located in the city of Pires do Rio - GO, which was divided into two parts: the first took place at the company's office where technical assistance was given in itself along with bureaucratic issues, collection of information and documentation from rural producers, asset survey, environmental licensing, issuance of ARTs (Note of Technical Responsibility), services provided and the second part was participating in the preparation of a credit proposal for financing, this carried out after a field visit and verified the real need to apply credit for this purpose, an agricultural funding project. Producers more often sought technical assistance and financial support to improve their activities and expand incomes. It was also observed that part of the producers were afraid to obtain credit, some due to lack of knowledge, others due to the lack of real guarantees that support the taking of credit, which resulted in a decrease in production and stagnation in the sector. In most cases, small and medium producers were the ones who found it most difficult to obtain rural credit. The importance of economic viability for all types of investment and costing, up to the decision taken by the credit taker, the producer and/or the financial institution demanded was analyzed.