AS DIFICULDADES DO ACESSO AO CRÉDITO RURAL DE ASSENTADOS DA JUNCAL EM NAVIRAÍ MS.

Abstract

The present study aimed to analyze the difficulties faced in accessing rural credit by the residents of the Juncal Settlement in Naviraí, Mato Grosso do Sul. The municipality of Naviraí is recognized for its importance in agribusiness, making access to financing essential for the productive development of small rural producers. The research adopted a qualitative approach, of a descriptive nature, using semi-structured interviews with four settled family farmers, through sampling using the snowball method, which ended when the obtained responses were sufficient to address the research problems and objectives. The data were analyzed through content analysis. The profile of the interviewees revealed a male predominance, aged between 31 and 50 years, and a low level of education. The 3 participants who obtained financing, mainly used for crop expenses, indicated bureaucracy as a barrier that makes applying for credit difficult. Additionally, misinformation and the lack of government advisory services were identified as limiting factors, which may be associated with low educational levels. Although all are familiar with Pronaf, the results show the need to simplify processes and strengthen information channels, such as AGRAER and banks, through lectures and newsletters, thus ensuring sustainable development in the activities of rural settlements.