Proagro Mais: uma análise de deferimento e dinâmica do programa

Abstract

Brazilian agriculture is divided into two segments: family-based and non-family-based. Family farming is defined based on criteria such as land area, labor, and income. Agricultural activities are inherently exposed to risks, and to mitigate them, public policies have been implemented, such as the Agricultural Activity Guarantee Program (PROAGRO) in 1973 and PROAGRO MAIS in 2004, the latter specifically aimed at family farming and mandatory for those accessing credit through the National Program for Strengthening Family Farming (PRONAF).In this context, this study aimed to analyze the approval of contracts with reported losses under PROAGRO MAIS, considering risk events, geographic distribution, and the evolution of coverage values between 2013 and 2023. The data used were extracted from the PROAGRO MAIS Data Matrix, provided by the Central Bank of Brazil (BCB), and analyzed using descriptive statistics and linear regression. The results indicated that drought was the risk event affecting the largest number of states in 2013, 2018, and 2023; however, excessive rainfall caused the most losses in the most recent year. The highest proportion of approvals was concentrated in the southern region, particularly in the states of Paraná and Rio Grande do Sul. Finally, it was observed that coverage values increased annually at a rate of 48,3%, indicating a rise in the approval of loss claims, reflecting the growing incidence of extreme weather events. Keywords: family farming; proagro mais; risk, rural insurance; claim event.