Crédito Pronaf na região do Tietê

The National Family Farming Strengthening Program (Pronaf) has advanced in terms of increasing the access of family farmers to rural credit and allows regional development and permanency of workers in fields. Despite this, the Pronaf had, by successive years, a value funded below the value announced by the Central Bank of Brazil. For this reason, the present study aims to analyze the difficulties of achieving the expected result by point of view of bank branches. From interviews with officials of the Bank of Brazil had done a case study for the region of Tiete, SP. It concluded that there is a long way between the Government’s planning and execution of PRONAF. The main results confirm the quotes of literature: sluggishness, bureaucracy, inability to meet demand, from creditor side, and difficulty in presenting personal guarantees, from borrower’s side. The survey identified new causes for the problem, such as insufficient credit limit, by the borrower, and restrictions in relation to what is allowed to be financed.