Análise dos recursos do Programa Agroamigo em Monteiro-PB: modalidades de crédito e o fortalecimento da agricultura familiar.

Abstract

Rural microcredit constitutes a strategic instrument for productive inclusion and the strengthening of family farming, particularly in vulnerable regions such as the Brazilian Semi- Arid. Through the Agroamigo Program, Banco do Nordeste aims to facilitate targeted capital provision, enabling small producers to make investments, adopt technologies, and diversify income sources. Within this context, the general objective of this study was to analyze the evolution of the Agroamigo Program in the municipality of Monteiro-PB between 2021 and 2025, assessing its impact on credit access and the profile of operations carried out. The methodology adopted was descriptive and quantitative, based on the analysis of secondary data obtained from Banco do Nordeste (BNB) and the Central Bank of Brazil (BACEN). The results indicated a predominance of operations linked to PRONAF Group B, highlighting the program’s focus on lower-income, low-capital farmers. It was also found that the program structure in Monteiro-PB combined financial support with climate adaptation and social considerations (gender and youth), playing a key role in maintaining family farming units in the face of irregular rainfall in the Cariri region. The conclusions suggest that the Agroamigo Program has been effective in promoting the reach of rural credit in the municipality, although structural challenges and reliance on emergency lines during droughts still influence the dynamics of loan operations. This study reinforces the importance of targeted microcredit as a driver of local development and socioeconomic sustainability in rural areas.