A concessão de crédito bancário e o desenvolvimento regional socioambiental: uma análise sobre a aplicação do Pronaf na Amazônia (2014 a 2017) e os efeitos da PRSA

Abstract

Public Policies for economic development in the Amazon need to be compatible with environmental protection norms aiming not only at preserving a healthy environment but also at preserving jobs and income in the region. The research has the problem of investigating the extent to which PRSA may have contributed to the reduction of FNO contracts in the Legal Amazon, in the PRONAF financing line, in the period from 2014 to 2017. The general objective of the study is to contribute to the affirmation of the policy granting credit in the Amazon and delimits three specific objectives: 1) to analyze the participation of the government in the banking sector as a tool of public policy and development; 2) to analyze the data that prove the reduction of the investment of resources in the PRONAF credit line (2014/2017) and the types of risk for the granting of credit in the banking sector and 3) to analyze the impact of PRSA in the granting of credit in the Amazon through PRONAF. It adopts the deductive approach method, together with the monographic procedure method and the indirect documentation research technique. It concludes that when it was instituted by Resolution No. 4,327 / 2014, PRSA was implemented by financial institutions through environmental risk, which generated a decrease in PRONAF applications in the Legal Amazon. Thus, the application of PRSA can be considered as an event that contributed to the reduction of applications of federal PRONAF resources, without, however, eliminating other elements, factors and political, economic and social reasons that, equally, may have contributed to the reduction in the application of these resources. It is also concluded that it is necessary that the Financial Institutions that work with the application of Federal resources for the regional development assume the commitment to protect the environment, while fulfilling their primary function of granting credit to develop the regions covered by the Funds Constitutional.