ANÁLISE DAS LINHAS DE CRÉDITO DO PLANO SAFRA FORNECIDAS PELO BANCO DO BRASIL

Abstract

Brazilian agribusiness, responsible for a significant portion of the national GDP, heavily depends on rural credit to maintain its productivity and competitiveness. In this context, the Plano Safra (Harvest Plan) constitutes the main public policy supporting the sector, offering resources for operating costs, investment, and marketing through various financing lines operated by institutions that are part of the National Rural Credit System. Among them is Banco do Brasil, which stands out as the largest provider of resources. In this context, the present study aimed to survey the rural credit lines of the 2025/2026 Plano Safra provided by Banco do Brasil, including information related to the beneficiary profile, interest rates, terms, and the percentage financed. To this end, a qualitative, descriptive study was conducted based on secondary data collected from the official Banco do Brasil website in 2025. The results revealed ten credit lines – Pronaf, Pronamp, Moderfrota, Investe Agro, FCO Rural, ProIrriga, Inovagro, PCA, Fundo Clima, and BNDES Crédito Rural – covering everyone from family farmers to large rural companies, with significant variation in financing limits, rates, and terms, demonstrating the bank's broad service capacity. It was identified that the lines promote everything from the acquisition of basic machinery to investments in innovation, sustainability, storage, and renewable energy, highlighting a strategy aligned with the technological and environmental development of the sector. It is concluded that Banco do Brasil plays a fundamental role in strengthening agribusiness by providing diversified and accessible lines of credit, contributing to modernization, productive expansion, and economic security in rural areas. The main limitation of the study was the exclusive use of secondary data, suggesting that future research should include comparisons between financial institutions to broaden the understanding of access to and the real impacts of rural credit.