ISSN impressa 0100-4956

ISSN eletrônica (on line) 2357-9226

O AGROAMIGO EM PERNAMBUCO: ALGUNS RESULTADOS

The Agroamigo in Pernambuco: Some Results

Tales Vital
Dr. em Economia. Prof. do PADR- UFRPE. talesvital@hotmail.com

André Melo
Dr. em Economia. Prof. do PADR-UFRPE. andredesouzam@gmail.com

Resumo: (VWH DUWLJR WUDWD GRV UHVXOWDGRV GH GH] DQRV
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Abstract: 7KLV SDSHU FRPPHQWV WKH UHVXOWV RI WHQ
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Key Words $JURDPLJR LQ 3HUQDPEXFR %DQFR GR
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Recebido em 06 de julho de 2015 Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
Aprovado em 29 de julho de 2015
123
Tales Vital e André Melo
1 Introdução
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nesse artigo a partir da taxa de adimplência dos
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de irrigação, plantar palma, plantar capim para
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Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
124
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das agências bancárias e os assessores de micro-
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de lançamento com expansão progressiva nos anos
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e tem como base dados do Programa fornecidos
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2 Descrição do Agroamigo no Estado
Os dados cadastrais do Agroamigo registram
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o operador do Programa, sendo responsável pelos
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O Agroamigo em Pernambuco: alguns resultados
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3 Referencial Teórico
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Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
125
Tales Vital e André Melo
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126
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no, casado, maior tempo de existência e informali-
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H YDORU GR ¿QDQFLDPHQWR (OHV FRQFOXHP TXH RV
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SURFHVVRGHFRQFHVVmRHDYDOLDomRGRULVFRGHFUp-
GLWRHQDWRPDGDGHGHFLVmR
%RJRQLH3DYDQ  DQDOLVDUDPDSUREDEL-
OLGDGH GH XP WRPDGRU GH FUpGLWR H PLFURFUpGLWR
VH WRUQDU LQDGLPSOHQWH HP XPD &RRSHUDWLYD GH
&UpGLWRQRQRUWHGR5LR*UDQGH6XO8WLOL]DQGRR

PRGHORHFRQRPpWULFRGH/RJLWIRLHQFRQWUDGRTXH
a probabilidade de ser inadimplente está concen-
WUDGDQDVFODVVHV$H%RXVHMDQRFUpGLWRHQmR
QR PLFURFUpGLWR GR TXDO ID]HP SDUWH DV FODVVHV
VRFLDLV&'H(1RPLFURFUpGLWRDFODVVH&SRV-
VXLPDLVFKDQFHVGHVHULQDGLPSOHQWHHPUHODomR
jVFODVVHV'H($OpPGLVVRIDWRUHVFRPRLGDGH
VH[RH8QLGDGHGD)HGHUDomRSRGHPLQÀXHQFLDUD
LQDGLPSOrQFLD
&RP UHODomR j IRUPD GH ¿QDQFLDPHQWR H jV
LQVWLWXLo}HV ¿QDQFLDGRUDV 7RQHGR -U H *UHPDXG
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PHFDQLVPRV XWLOL]DGRV SDUD VH DWLQJLU R S~EOLFR-
DOYR SRSXODomRGHEDL[DUHQGDSHTXHQRSURGX-
WRU UXUDO PLFURHPSUHVDV HWF  H JDUDQWLU D TXDOL-
GDGHGRVDWLYRVHDVIRUPDVGHJHVWmRTXHID]HP
FRPTXHHVVDVLQVWLWXLo}HVSURVSHUHPRQGHRVLV-
WHPD¿QDQFHLURWUDGLFLRQDOQmRREWHYHr[LWR(OHV
FRQFOXtUDP TXH D JHVWmR RX VHMD D SUHRFXSDomR
FRP R DOFDQFH H D VXVWHQWDELOLGDGH QmR GHYH VHU
FRORFDGDQRFXVWRGRHPSUpVWLPRPDVQRDFHVVR
$OpP GLVVR UHTXHUVH XPD FRUUHWD IRUPDomR GD
WD[DGHMXURVHVWLPXODQGRDFDSWDomRGHUHFXUVRV
no sentido de ter menor dependência de repasses,
PHFDQLVPRVGHFREUDQoDHFROHWDH¿FLHQWHVHVHOH-
omRDSURSULDGDGRVWRPDGRUHV
3RU ¿P D )*9   DSRQWD TXH R$JURD-
PLJRpXPDLQLFLDWLYDSLRQHLUDQR%UDVLOTXHYLVD
j FRQFHVVmR GH ¿QDQFLDPHQWR SDUD D iUHD UXUDO
EDVHDGD QR PRGHOR DGRWDGR SHOR 3URJUDPD &UH-
GLDPLJR GR %1% 1R HVWXGR DQDOLVRXVH YiULDV
FDUDFWHUtVWLFDV VREUH RV FOLHQWHV GR %DQFR TXH
WRPDUDP ¿QDQFLDPHQWR SHOR$JURDPLJR H HQWUH
HODVVHHQFRQWUDDLQDGLPSOrQFLD6HJXQGRRHVWX-
GRDPDLRULPSRUWkQFLDOLJDGDjLQDGLPSOrQFLDp
UHODWLYDDYDULiYHLVOLJDGDVjRIHUWDGHiJXDFRPR
RXVRGHWpFQLFDVGHLUULJDomRTXHDIHWDSRVLWLYD-
mente, ampliando a inadimplência e existência de
FLVWHUQDVTXHDIHWDPQHJDWLYDPHQWHGLPLQXLQGRD
LQDGLPSOrQFLD 3RU ¿P DV YDULiYHLV UHODFLRQDGDV
DRFOLHQWHHTXHLQÀXHQFLDPQRDWUDVRVmRDIRUPD
TXHRFOLHQWHFRQKHFHXR3URJUDPDDFRQGLomRGR
XVRGDWHUUDHPTXHFRPRSRVVHLURRFOLHQWHWHP
PDLVFKDQFHVGHDWUDVRGRTXHFRPRSURSULHWiULR
'HVVDIRUPDDOLWHUDWXUDLQGLFDTXHpFRQVHQ-
VXDOTXHRPLFURFUpGLWRWHPVLGRXPDIRUPDGH¿-
QDQFLDPHQWRDGRWDGDSDUDUHGX]LUDSREUH]D0DV
DLQDGLPSOrQFLDpXPSUREOHPDYLVWRSDUDLQVWLWXL-
o}HVTXHIRUQHFHPPLFURFUpGLWR$LQDGLPSOrQFLD
p DIHWDGD SRU YDULiYHLV VRFLRHFRQRPLFDV OLJDGDV
aos tomadores tais como idade, sexo e estado ci-
Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
O Agroamigo em Pernambuco: alguns resultados
YLOSRUH[HPSOR1RHQWDQWRQmRVHSHUFHEHXQD
OLWHUDWXUDFRPRRWLSRGHFXOWXUDVHUHODFLRQDFRP
DLQDGLPSOrQFLD
4 Modelo analítico e dados utilizados
(PDUWLJRSXEOLFDGR1HUL  UHODWDTXHD
DYDOLDomR GR LPSDFWR GR PLFURFUpGLWR SDVVRX DO-
JXPWHPSRVHQGRPHGLGRSHORDXPHQWRGHUHQGD
GR EHQH¿FLiULR 3RVWHULRUPHQWH IRUDP LQFRUSRUD-
GDVRXWUDVYDULiYHLVFRPRQtYHOHSDGUmRGHJDVWRV
GRFRQVXPRHGRVDWLYRVGRVSDUWLFLSDQWHV$OpP
GHVVHVLQGLFDGRUHVRXWURVUHODWLYRVDYDQWDJHQVH
GHVYDQWDJHQV GR LPSDFWR GR PLFURFUpGLWR QR HV-
WDEHOHFLPHQWRQRGRPLFLOLRHQRFRQWH[WRLQVWLWX-
FLRQDOIRUDPWDPEpPLQFRUSRUDGRV$LQGDSDUD
1HUL S 
QD PHGLGD TXH D LQG~VWULD GDV PLFUR¿QDQoDV
VHWRUQDPDLVFRPSHWLWLYDHPDLRUrQIDVHpGH-
SRVLWDGDQDVXVWHQWDELOLGDGH¿QDQFHLUDPXLWDV
RUJDQL]Do}HV FRPHoDP D SUHVWDU PDLRU DWHQ-
omR DR GHVHQYROYLPHQWR GH QRYRV SURGXWRV H
VHUYLoRVSDUDDWHQGHUjVQHFHVVLGDGHVGRVHX
S~EOLFR
1RSUHVHQWHFDVRHVVHS~EOLFRpIRUPDGRSHORV
DJULFXOWRUHV IDPLOLDUHV GH 3HUQDPEXFR DWHQGLGRV
SHOR$JURDPLJR GR %1% RQGH D DGHTXDELOLGDGH
jVQHFHVVLGDGHVGHVVHFOLHQWHpYHUL¿FDGDSHORVUH-
VXOWDGRVREWLGRVUHODWLYRVDL DGLPSOrQFLDJOREDO
LL DGLPSOrQFLDSRUVHWRUHSURGXWR¿QDQFLDGRH
WDPEpPSHODDGHTXDomRDJURFOLPiWLFDSRUUHJLmR
LLL  FRP DEUDQJrQFLD GR $JURDPLJR VHJXLQGR D
PDOKDLQVWLWXFLRQDOGRVLVWHPDEDQFiULRHWDPEpP
H[SUHVVDSHODHYROXomRWHPSRUDOGR3URJUDPD
2V GDGRV EiVLFRV GR $JURDPLJR XWLOL]DGRV
QHVWHWUDEDOKRIRUDPIRUQHFLGRVHP&'SHOR(VFUL-
WyULR7pFQLFRGH(VWXGRV(FRQ{PLFRVGR1RUGHVWH
(7(1(%1%
5 Alguns resultados
5.1 Taxa de adimplência global
2$JURDPLJRQR(VWDGRWHPDSUHVHQWDGRXPD
DOWDWD[DGHDGLPSOrQFLDWDQWRQRFXVWHLRFRPRQR
LQYHVWLPHQWRVHQGRFRPSDWtYHOFRPUHVXOWDGRVGH
RXWUDVH[SHULrQFLDVGHPLFUR¿QDQoDVQDDJULFXOWX-
UDIDPLOLDU2SHTXHQRLQYHVWLGRURXSHTXHQRDJUL-
FXOWRUHPJHUDOWHPXPFRPSRUWDPHQWRGHDYHU-
VmRDULVFRMiTXHTXDOTXHUHUURSRGHLQYLDELOL]DU
127
Tales Vital e André Melo

VHXQHJyFLRFRORFDQGRRMXQWRFRPDIDPtOLDHP 4XDGUR±6LWXDomR GD OLTXLGH] GRV ¿QDQFLDPHQ-

VLWXDomR GH VREUHYLYrQFLD DLQGD SLRU$ OLWHUDWXUD WRV GR $JURDPLJR HP 3HUQDPEXFR
WUD]GLYHUVRVH[HPSORVDOJXQVGRVTXDLVWLYHPRV 
RSRUWXQLGDGHGHYLYHQFLDU$UD~MR  DYDOLRX Situação dos Contratos de Empréstimo
RGHVHPSHQKRGRprograma água na roça, do Go-
Adimplência Inadimplência
YHUQRGH3HUQDPEXFRTXH¿QDQFLDYDSHOR%DQFR Ano
(*) (**)
Total
GR(VWDGRNLWVGHLUULJDomRFRPPRWRERPEDRX
   
HOHWURERPED SDUD JUXSRV GH SHTXHQRV DJULFXOWR-
   
UHV7DO¿QDQFLDPHQWRHUDFRQYHUWLGRHPYDORUGR
   
SURGXWR DJUtFROD SULQFLSDO LQGLFDGR SDUD FXOWLYR
   
WHQGREDVHQRSUHoRGHPDUFDGRGHVVHSURGXWRQD
   
pSRFDGRHPSUpVWLPR2SUD]RSDUDSDJDPHQWRHUD
   
GHPHVHVFRPXPSHUtRGRGHFDUrQFLDGHPH-
   
VHV2SDJDPHQWRGDGtYLGDHUDUHDOL]DGRHPVHLV
   
SDUFHODVLJXDLV¿FDQGRDRSomRGHSDJDUHPSUR-
   
GXWRSRGHQGRVHUHQWUHJXHDR*RYHUQR(VWDGXDO
   
(P WRGR R (VWDGR IRUDP ¿QDQFLDGRV  NLWV
FRPSOHWRVGHLUULJDomR1ROHYDQWDPHQWRGHFDP- Geral   
( /LTXLGDGRHSDJDPHQWRQRUPDOGRFRQWUDWRGRHPSUpVWLPR
SRGDVHQWUHYLVWDVUHDOL]DGDVFRPRVEHQH¿FLi- SUHMXt]RHDWUDVRGHSDJDPHQWRGRFRQWUDWRGRHPSUpVWLPR
ULRVKDYLDPSDJRRHPSUpVWLPRQmRKDYLDP )RQWH%1% GDGRVWUDEDOKDGRV 
SDJRHQmRLQIRUPDUDP0XLWRVGRVSURJUDPDV
GH JRYHUQR SDUD EHQH¿FLDU D DJULFXOWXUD IDPLOLDU
5.2 Taxa de adimplência por Setor e por
VmRH[HFXWDGRVDIXQGRSHUGLGRQmRWHQGRTXHVH
ID]HU D UHVWLWXLomR GRV UHFXUVRV IRUQHFLGRV H LVVR
Produto
tem sido capitaneado por entidades representati-
$VRSHUDo}HVGHPLFURFUpGLWRGR$JURDPLJR
YDVGHVVHVDJULFXOWRUHVUHVXOWDQGRQRDXPHQWRGD
TXDQGRGHVDJUHJDGDVSRUVHWRUGHDWLYLGDGHUHJLV-
LQDGLPSOrQFLD
WUDP SHTXHQR GLIHUHQFLDO QDV WD[DV GH DGLPSOrQ-
1R FDVR GR $JURDPLJR HP 3HUQDPEXFR GR
FLDUHYHODQGRVHWRUHVGHPDLRUULVFRSDUDRV¿QDQ-
WRWDO GH  RSHUDo}HV UHDOL]DGDV QR SHUtRGR
FLDPHQWRVWDLVFRPRRH[WUDWLYLVPRHDDJULFXOWXUD
DDGLPSOrQFLDIRLGHSRGHQGR
4XDGUR 2GHPHQRUULVFRWHPVLGRDSHFXiULD
VHUFRQVLGHUDGDDOWDRXVHMDRVFOLHQWHVGR3URJUD-
TXHSRUVXDYH]FRQFHQWURXJUDQGHSDUWHGDVRSH-
PDWrPSDJRVHXV¿QDQFLDPHQWRV
UDo}HVUHDOL]DGDVSHOR3URJUDPDQR(VWDGR
)D]HQGRVH XPD DQiOLVH WHPSRUDO GHVVHV ¿-
2V SULQFLSDLV SURGXWRV ¿QDQFLDGRV GD SHFXi-
QDQFLDPHQWRV 4XDGUR UHJLVWUDVHTXHDJUDQGH
ULDTXHFRQFHQWURXGDVWUDQVDo}HVPRVWUDP
PDLRULD Mi IRL TXLWDGD RX HVWi VHQGR SDJD H[FH-
PDLRUDGLPSOrQFLDSDUDERYLQRVVXtQRVHRYLQRV
omR SDUD RV DQRV GH    H  GHYLGR
H PHQRUHV SDUD FDSULQRV H DYLFXOWXUD TXH MXQWRV
ao agravamento da condição climática e da seca
UHSUHVHQWDPGRWRWDOGRVFRQWUDWRVGRVSURGX-
prolongada com efeitos negativos pelas perdas
WRVGRVHWRUSHFXiULR 4XDGUR 
RFRUULGDV
2VHWRUDJUtFRODRFXSRXRVHJXQGROXJDUFRP
FHUFDGHGRVFRQWUDWRV¿UPDGRV4XDQGRGHVD-
JUHJDGRSRUUDPRVIUXWLFXOWXUDJUmRVROHULFXOWX-
UDUDt]HVHWXEpUFXORVHFDFWiFHDVUHSUHVHQWDUDP
GRVFRQWUDWRVGRVHWRU 4XDGUR 2VUDPRV
GHROHULFXOWXUDUDt]HVHWXEpUFXORVHFDFWiFHDVWL-
veram alta adimplência comparativamente aos
UDPRVGHIUXWLFXOWXUDHJUmRVPDLVVXVFHSWtYHLVD
DGYHUVLGDGHV FOLPiWLFDV FXMD DGLPSOrQFLD HVWHYH
SUy[LPDjGRVHWRUDJUtFRODFRPRXPWRGR

Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
128
 O Agroamigo em Pernambuco: alguns resultados

4XDGUR±3DJDPHQWRGRV)LQDQFLDPHQWRVGR$JURDPLJRSRU6HWRUHP3HUQDPEXFR 

Adimplência Inadimplência Total

Setor
Nº % Nº % Nº %
$JULFXOWXUD      
3HFXiULD      
Extrativismo      
2XWURV      
*(5$/      
)RQWH%1% GDGRVWUDEDOKDGRV 
4XDGUR± 3DJDPHQWR GRV )LQDQFLDPHQWRV GR$JURDPLJR SRU 3URGXWR GD 3HFXiULD HP 3HUQDPEXFR
 

Setor - Pecuária
Produtos da Pecuária Adimplência Inadimplência Total
Nº % Nº % Nº %
%RYLQRFXOWXUD      
&DSULQRFXOWXUD      
2YLQRFXOWXUD      
6XLQRFXOWXUD      
$YLFXOWXUD      
7RWDO SDUDRVFLQFRSURGXWRV      
727$/ SDUDWRGRVRVSURGXWRV      
)RQWH%1% GDGRVWUDEDOKDGRV 

4XDGUR± 3DJDPHQWRGRV)LQDQFLDPHQWRVGR$JURDPLJRSRU5DPRGH6HWRU$JUtFRODHP3HUQDPEXFR
 

Setor - Agricultura
Ramo Adimplência Inadimplência Total
Nº % Nº % Nº %
)UXWLFXOWXUD      
Grãos      
2OHULFXOWXUD      
5Dt]HVH7XEpUFXORV      
&DFWiFHDV      
7RWDO SDUDRVFLQFRUDPRV      
7RWDO SDUDWRGRVRVUDPRV      
)RQWH%1% GDGRVWUDEDOKDGRV 

5.3 Distribuição espacial dessa taxa por
setor e por produto
2V ¿QDQFLDPHQWRV GR $JURDPLJR IRUDP
FRQFHQWUDGRV HP WUrV UHJL}HV $JUHVWH 0H-
ULGLRQDO$JUHVWH &HQWUDO H ,WDSDULFD MXQWDV
WRWDOL]DPGRVFRQWUDWRV¿UPDGRV 4XD-
GUR   (VVDV UHJL}HV FRQFHQWUDP DWLYLGDGHV
GDDJULFXOWXUDIDPLOLDU

Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015

129
Tales Vital e André Melo
4XDGUR± 2SHUDo}HVUHDOL]DGDVSHOR
$JURDPLJRQDV5HJL}HVGH'H-
VHQYROYLPHQWRGH3HUQDPEXFR

Operações
Regiões de
Desenvolvimento
N0 % WRGHVWDDWLYLGDGH 4XDGUR $DGLPSOrQFLD
$JUHVWH&HQWUDO  
Agreste Meridional  
Itaparica  
0DWD6XO  
0R[RWy  
6mR)UDQFLVFR  
6HUWmR&HQWUDO  
7RWDOGH2SHUDo}HV  
)RQWH%1% GDGRVWUDEDOKDGRV 
&RQVLGHUDQGR R VHWRU SHFXiULR SRU UHJLmR GH
GHVHQYROYLPHQWR YHUL¿FDVH TXH  DV UHJL}HV GH
,WDSDULFDH0DWD6XODSUHVHQWDUDPRVPDLVEDL[RV
QtYHLVGHDGLPSOrQFLD$VGHPDLVUHJL}HVHVWLYHP
SUy[LPDVjDGLPSOrQFLDJOREDOGRVHWRU 4XDGUR
 $ UHJLmR GH 0DWD 6XO WHP IRUWHV UHVWULo}HV j
DWLYLGDGH SHFXiULD ERYLQD GHYLGR j SOXYLRPHWULD
DOWD H DR H[FHVVR GH XPLGDGH HQTXDQWR HP ,WD-
SDULFDDFULDomRGHDQLPDLVGHSHTXHQRSRUWHVR-
EUHWXGRFDSULQRVHRYLQRVVRIUHXEDVWDQWHFRPD
IDOWDGHDOLPHQWRVGHYLGRjVHFDSURORQJDGDHVHXV
HIHLWRVVREUHDDJULFXOWXUDIDPLOLDU
&RQVLGHUDQGRVHSDUDGDPHQWHWUrVSURGXWRVGD
SHFXiULD¿QDQFLDGRVSHOR$JURDPLJRSDUDDDJUL-
FXOWXUD IDPLOLDU QDV UHJL}HV GH GHVHQYROYLPHQWR
GR(VWDGRREWLYHUDPVHRVVHJXLQWHVUHVXOWDGRV
L  2 ¿QDQFLDPHQWR GD ERYLQRFXOWXUD HVWHYH
concentrado no Agreste Meridional, Agreste
&HQWUDO H ,WDSDULFD FRP  GRV FRQWUDWRV
$V WD[DV GH DGLPSOrQFLD GHVVDV UHJL}HV IR-
UDPHOHYDGDV1HVVDDWLYLGDGHDSLRUWD[DGH
DGLPSOrQFLDVHGHXQD0DWD6XOSHODVUD]}HV
MiUHIHULGDV1R6HUWmR&HQWUDOHVVDDWLYLGDGH
QmRIRL¿QDQFLDGD1DVGHPDLVUHJL}HVDDGLP-
SOrQFLDIRLEDVWDQWHVDWLVIDWyULD 4XDGUR 
LL  2¿QDQFLDPHQWRGDFDSULQRFXOWXUDHVWHYHFRQ-
FHQWUDGRQDVUHJL}HVGH,WDSDULFDH6mR)UDQ-
FLVFR 4XDGUR ,WDSDULFDDSUHVHQWRXDPDLV
EDL[DWD[DGHDGLPSOrQFLDMXQWDPHQWHFRPDV
UHJL}HVGR0R[RWyH$JUHVWH0HULGLRQDOiUH-
DVRQGHDVHFDSURORQJDGDDIHWRXEDVWDQWHRV
Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015
130
SHTXHQRVHVWDEHOHFLPHQWRVUXUDLV$FDSULQR-
FXOWXUD WHYH SHUGDV VLJQL¿FDWLYDV UHÀHWLQGR D
EDL[DDGLPSOrQFLDGHVVHSURGXWR
LLL $RYLQRFXOWXUDHVWiFRQFHQWUDGDQDVUHJL}HVGH
,WDSDULFDH6mR)UDQFLVFR$VUHJL}HVGH0DWD
6XOH6HUWmR&HQWUDOQmRWLYHUDP¿QDQFLDPHQ-
foi baixa em Itaparica e no Agreste Meridio-
nal, possivelmente em decorrência da seca
SURORQJDGDTXHDIHWRXEDVWDQWHHVVHFULDWyULR
QHVVDVUHJL}HV
3DUDRVHWRUDJUtFRODQRSHUtRGRRV
¿QDQFLDPHQWRVHVWLYHUDPFRQFHQWUDGRVQR$JUHV-
WH&HQWUDO$JUHVWH0HULGLRQDOH,WDSDULFD 4XDGUR
 $DGLPSOrQFLDIRLDPHQRUQR$JUHVWH0HUL-
GLRQDORQGHDSREUH]DQRFDPSRpPDLVDFHQWXDGD
HDDJULFXOWXUDGDSURGXomRIDPLOLDUpPXLWRVHQVt-
YHOjDGYHUVLGDGHFOLPiWLFD
&RQVLGHUDQGRVHSDUDGDPHQWHWUrVLPSRUWDQWHV
UDPRVGDDJULFXOWXUD¿QDQFLDGRVSHOR$JURDPLJR
SDUD D DJULFXOWXUD IDPLOLDU QDV UHJL}HV GH GHVHQ-
YROYLPHQWRGR(VWDGRIRUDPREWLGRVRVVHJXLQWHV
UHVXOWDGRV
D  $IUXWLFXOWXUDWHYHGHVWDTXHREWHQGRGRV
FRQWUDWRVGDDJULFXOWXUD 4XDGUR 2$JUHV-
WH&HQWUDOIRLDUHJLmRFRPPDLRUQ~PHURGH
FRQWUDWRVVHJXLGDSHOD0DWD6XOHR6mR)UDQ-
FLVFR(VVDSULPHLUDUHJLmRIRLWDPEpPDTXH
WHYHDPDLVEDL[DWD[DGHDGLPSOrQFLDVHJXLGD
SHOD0DWD6XO
E  2VJUmRVRFXSDUDPRVHJXQGROXJDUQRV¿QDQ-
FLDPHQWRVGR$JRDPLJRUHODWLYRj$JULFXOWX-
UDHVWDQGRHVVHV¿QDQFLDPHQWRVFRQFHQWUDGRV
QR$JUHVWH 0HULGLRQDO 4XDGUR  $ DGLP-
SOrQFLD SRGH VHU FRQVLGHUDGD EDL[D GHYLGR j
YXOQHUDELOLGDGHGRVPHVPRVjVVHFDVSURORQ-
JDGDVTXHVHVXFHGHUDPQRLQWHULRUGR(VWDGR
F  $ ROHULFXOWXUD SHOD SUySULD QDWXUH]D RFXSD
iUHDVFRPPDLRUGLVSRQLELOLGDGHGHiJXDGDt
D FRQFHQWUDomR GRV ¿QDQFLDPHQWRV QD 0DWD
6XORQGHDDGLPSOrQFLDIRLEDL[D 4XDGUR 
1DVUHJL}HVGHSRXFDGLVSRQLELOLGDGHKtGULFD
a exemplo do Agreste Meridional, a adimplên-
FLDIRLDOWDHPGHFRUUrQFLDGDVFRQGLo}HVFOL-
PiWLFDVGHVIDYRUiYHLVQRSHUtRGRHDIDOWDGH
WUDGLomRQHVVDDWLYLGDGH
 O Agroamigo em Pernambuco: alguns resultados

4XDGUR± 3DJDPHQWRGRV)LQDQFLDPHQWRVGR$JURDPLJRSRU6HWRU3HFXiULRH5HJLmRGH'HVHQYROYL-
PHQWRHP3HUQDPEXFR  
Pecuária
Regiões de
Adimplência Inadimplência Total
Desenvolvimento
Nº % Nº % Nº %
$JUHVWH&HQWUDO      
Agreste Meridional      
Itaparica      
0DWD6XO      
0R[RWy     434 
6mR)UDQFLVFR      
6HUWmR&HQWUDO      
7RWDO      
)RQWH%1% GDGRVWUDEDOKDGRV 

4XDGUR± 3DJDPHQWR GRV )LQDQFLDPHQWRV &RQFHGLGRV SHOR$JURDPLJR SDUD D 3HFXiULD %RYLQD SRU
5HJLmRGH'HVHQYROYLPHQWRGH3HUQDPEXFR  
Bovinocultura
Região de
Adimplência Inadimplência Total
Desenvolvimento
Nº % Nº % Nº %
$JUHVWH&HQWUDO      
Agreste Meridional      
Itaparica      
0DWD6XO      
0R[RWy      
6mR)UDQFLVFR      
7RWDO      
)RQWH%1% GDGRVWUDEDOKDGRV 

4XDGUR± 3DJDPHQWRGRV)LQDQFLDPHQWRV&RQFHGLGRVSHOR$JURDPLJRSDUDD&DSULQRFXOWXUDSRU5H-
JLmRGH'HVHQYROYLPHQWRGH3HUQDPEXFR  
Caprinocultura
Região de
Adimplência Inadimplência Total
Desenvolvimento
Nº % Nº % Nº %
$JUHVWH&HQWUDO   3   
Agreste Meridional      
Itaparica      
0DWD6XO 3    3 
0R[RWy      
6mR)UDQFLVFR      
6HUWmR&HQWUDO      
7RWDO      
)RQWH%1% GDGRVWUDEDOKDGRV 

Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015

131
Tales Vital e André Melo

4XDGUR± 3DJDPHQWRGRV)LQDQFLDPHQWRV&RQFHGLGRVSHOR$JURDPLJRSDUDD2YLQRFXOWXUDSRU5H-
JLmRGH'HVHQYROYLPHQWRGH3HUQDPEXFR  
Ovinocultura
Região de
Adimplência Inadimplência Total
Desenvolvimento
Nº % Nº % Nº %
$JUHVWH&HQWUDO      
Agreste Meridional      
Itaparica      
0R[RWy 44     
6mR)UDQFLVFR      
7RWDO      
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132
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134
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 ,7$&858%$    783$1$7,1*$  

 ,7$,%$    9(178526$  

727$/  
)RQWH%1% GDGRVWUDEDOKDGRV 

Rev. Econ. NE, Fortaleza, v. 46, suplemento especial, p. 123-138, jul., 2015

138