Analysis of land credit: technical project for financing for the acquisition of the Marchau site in Maranguape-CE

• Autor(a) principal: Ferreira da Silva, Francisco Wilson
• Data de Publicação: 2022
• Outros Autores: Santos Ferreira, Gustavo Henrique, Maia Leitão, Mário José
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: Revista Controle (Online)
• Texto Completo: https://revistacontrole.tce.ce.gov.br/index.php/RCDA/article/view/814
• topic: crédito rural; agricultura familiar; financiamento; rural credit; family farming; financing

The present work has as its theme rural credit, with low interest rates and facilitated payment conditions, as the solvency studies of land projects are still incipient in academia, and asked: the agricultural activities proposed in the technical projects of rural financing submitted by Secretariat of Agrarian Development (who coordinates actions of this size in the State of Ceará), do financial agents guarantee their economic and financial solvency in the long term? The answer came through a qualitative methodology, addressing concepts and meanings about the theme; and quantitative, materialized in the elaboration in electronic spreadsheets of four possible scenarios of the studied project, worked by forecasting the cash flow of the production and cultivation of its commodities: production of corn, beans and mango-muscatel and the management of chickens for the production of eggs and cows, for the production of milk and rennet cheese, are viable and solvent. The best scenario would be to grant a bonus 40% of the installments for payment on time, without remuneration for labor: farmers work the land with their own hands with a net return of R$ 1,868.59/ Month, which guaranteed her and her offspring's sustenance.