Credit granting and rural producers? default in Rond?nia, Brazil

This article aims to examine the scenario of credit granting and default among rural producers in the state of Rond?nia between the years 2020 and 2024. The research is quantitative and descriptive, based on secondary data and document analysis concerning the management and operations of Banco da Amaz?nia (Bank of the Amazon) related to the Constitutional Fund for Financing the North (FNO). The results show that approximately 4.5 billion reais and 16,689 loans were granted during the period under study, of which 9,239 were allocated for operating expenses and 5,116 for investment purposes. It was found that default rates are low, since only 282 contracts (1.69% of the total) had overdue installments. It is also noteworthy that 10 municipalities in Rond?nia, out of a total of 52, concentrate 48.48% of the credit contracts and 62.75% of the total credit amount granted. The study concludes that rural credit provides producers with resources to finance their activities and invest in infrastructure, innovation, and technology, enabling them to increase production, productivity, employment, and income, as well as improve living conditions in rural areas. These findings contribute to the understanding of the dynamics of rural credit allocation and default, providing insights for future research and for policies aimed at improving the rural credit system in the state.