PRONAF

Rural credit in the country has several Software, and one of them is called Pronaf, representing the action of providing credit lines suited to the needs of family farmers and their forms of organization.

Pronaf is intended to stimulate income generation and improve the use of family labor, through financing rural agricultural and non-agricultural activities and services developed in rural establishments or in nearby community areas.

O Pronaf está presente em quase todos os municípios do Brasil. A execução do programa é realizada por Bancos Públicos e Privados, o BNDES e Cooperativas de Crédito Rural. Está forma de atuação permite amplo acesso ao crédito rural para diversos grupos da agricultura familiar como: assentados da reforma agrária, beneficiários do crédito fundiário, agricultores familiares de baixa renda (Grupo B), agricultores familiares dinâmicos (Grupo V) e, inclusive, povos e comunidades tradicionais como indígenas, quilombolas, pescadores artesanais, ribeirinhos e outros.

Rural credit operations under Pronaf allow beneficiaries of family farming to finance the acquisition of inputs, seeds, to cover the costs of their activities, such as the production of corn, milk and beans.

In addition to financing production costs, Pronaf is of great importance for the modernization of family businesses, with consequences for increasing production and productivity. Pronaf allows the financing of machines, tractors, cargo vehicles, equipment and market technologies for the modernization and competitiveness of family farming enterprises and their cooperatives.

 Click here to find out about Pronaf's credit lines.

a) explorem parcela de terra na condição de proprietário, posseiro, arrendatário, comodatário, parceiro, concessionário do Programa Nacional de Reforma Agrária (PNRA) ou permissionário de áreas públicas;

b) reside in the establishment or in a nearby location, considering regional geographic characteristics;

c) do not hold, in any capacity, an area exceeding 4 (four) fiscal modules, contiguous or not, except in the case of rural condominiums or other collective forms of property, provided that the ideal fraction per owner does not exceed 4 (four) tax modules;

d) at least 50% (fifty percent) of the family's gross income originates from the establishment's agricultural and non-agricultural holdings;

f) have obtained gross family income, in the last 12 (twelve) months of normal production prior to the DAP or CAF-Pronaf request, of up to R$500,000.00 (five hundred thousand reais), considering in this limit the sum of 100% (one hundred percent) of the Gross Production Value (VBP), 100% (one hundred percent) of the value of revenue received from an integrating entity and other income arising from activities carried out in the establishment and outside it, received by any family component, excluding social benefits and social security benefits arising from rural activities; 

Click here to check the details of the criteria for qualifying as a family farmer, to obtain the DAP or CAF-Pronaf, according to Law 11,326/2006 and specific regulations.

1. Finance Costing

   To access funding from Pronaf, after defining the resources needed to finance your activities, you must look for a branch of the bank that has an account or another branch of your choice, to submit the rural credit request.

   PROVISION CHANNELS

      In person : 

   The main banks that operate rural credit under Pronaf are:

   • Banco da Amazônia (BASA), operating in the North region and in part of Mato Grosso and Maranhão;
   • Banco do Brasil (BB), operating throughout the national territory;
   • Banco do Nordeste (BNB), operating in the Northeast region, in the north of Minas Gerais and in the north of Espírito Santo;
   • Sicredi
   • Sicoob;
   • Cresol;
   • BANRISUL;
   • BRDE;
   • And several other financial institutions.

   Estimated waiting time :  Up to 1 month(s)
   
   

   DOCUMENTATION

   Common documentation for all cases

   • • Declaration of Aptitude for Pronaf (DAP) active or
     • Cadastro Nacional da Agricultura Familiar do Programa Nacional de Fortalecimento da Agricultura Familiar (CAF-Pronaf) válido;
     • Other documents will be requested by the bank, such as identification document, CPF, registration in the Rural Environmental Registry (CAR).

   STAGE DURATION TIME

   Not estimated yet
2. Financing Investment

   De posse da DAP ou CAF-Pronaf, o agricultor familiar irá procurar profissional para orientá-lo ou entidade de Assistência Técnica e Extensão Rural (ATER) mais próxima para elaboração de projeto técnico de investimento, e o apresentará ao banco em que possui relacionamento bancário.

   PROVISION CHANNELS

    

      In person : 

   Os governos estaduais possuem órgãos de ATER que podem orientar os agricultores na elaboração do projeto técnico.

   Consult here what these organs are and where they are located.

   Estimated waiting time :  Up to 1 month(s)
   
   

      In person : 

   The main banks that operate rural credit under Pronaf are:

   • Banco da Amazônia (BASA), operating in the North region and in part of Mato Grosso and Maranhão;
   • Banco do Brasil (BB), operating throughout the national territory;
   • Banco do Nordeste (BNB), operating in the Northeast region, in the north of Minas Gerais and in the north of Espírito Santo;
   • Sicredi
   • Sicoob;
   • Cresol;
   • BANRISUL;
   • BRDE;
   • And several other financial institutions.

   Estimated waiting time :  Up to 1 month(s)
   
   

   STAGE DURATION TIME

   Not estimated yet