Problemática do crédito agrícola no contexto do desenvolvimento rural: necessidade, implicações e alternativas

Abstract

This paper critically evaluates the credit policies adopted in Mozambique in the post-independence period taking into account their impact on rural development, presenting alternatives for the minimization of credit scarcity to the agriculture sector. Given the great importance of the agricultural sector in rural development, the Government has carried out a series of strategic measures in order to achieve the objectives for the sector and, in this 6 context, some questions arise around the policies adopted such as the evaluation of alternative measures to be considered to minimize the effects of credit scarcity for the agricultural sector. To achieve the proposed objective, the research resorted to the collection of information related to the theme in several bibliographic references in order to obtain the assumptions, premise and giphosis of the work as well as to familiarize oneself with the study area through the existing registers about its general characteristics. The elaboration of the final report consisted in the analysis, interpretation and synthesizing of the numeric information obtained in the different entities related to the subject. The basic conclusion suggests that the development of rural financial markets and agro-industries are more viable. It is necessary to design and implement a model of savings mobilization adequate to the rural environment, taking into consideration the needs, habits, customs and motivations of the rural population, as well as the size of these savings, considering also that any model of savings mobilization should take into account the minimization of operational costs. (TRADUÇAO NOSSA)